Superannuation Calculator

Project your super balance at retirement based on your current salary and contributions

Superannuation is Australia's compulsory retirement savings system. Your employer must contribute at least 12% of your ordinary time earnings into your super fund (as of 1 July 2025). This calculator projects how your super balance will grow over time based on your salary, contributions, and assumed investment returns.

Last updated: March 2026

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Frequently Asked Questions

What is the current super guarantee rate in Australia?

The Super Guarantee (SG) rate is 12% of ordinary time earnings from 1 July 2025. Your employer is legally required to pay at least 12% of your salary into your super fund. This applies to most employees aged 18 and over earning more than $450 per month (the $450 threshold was removed in 2022).

How much super will I have when I retire?

This depends on your salary, employer contributions, investment returns, and how many years you work. As a rough guide, the Association of Superannuation Funds of Australia (ASFA) estimates a comfortable retirement requires around $595,000 for singles and $690,000 for couples (2024 figures).

Can I make extra voluntary super contributions?

Yes. Concessional (before-tax) contributions are capped at $30,000 per year (including employer contributions). Non-concessional (after-tax) contributions are capped at $120,000 per year. Extra contributions can significantly boost your retirement balance.

What happens to my super if I leave Australia permanently?

If you leave Australia permanently as a temporary visa holder, you may be able to claim your super as a Departing Australia Superannuation Payment (DASP). Tax of 65% applies to the taxable component. Australian citizens and permanent residents cannot access super early when leaving.