Superannuation Calculator for Australia
Australia · AUD. Country-specific pension contributions or entitlements.
Smarter
Decisions.
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Calculator Parameters
All amounts in AUD.
$10,000.00 Minimum $0.00; maximum $10,000,000.00.
$80,000.00 Minimum $0.00; maximum $1,000,000.00.
$200.00 Minimum $0.00; maximum $100,000.00.
5% Minimum 0%; maximum 30%.
20 Minimum 1; maximum 50.
Your estimate
Projected balance
$376,505.02
Annual employer SG contribution
$9,600.00
Annual contributions tax (15%)
$1,800.00
Opening balance + credited contributions
$214,000.00
Modelled growth
$162,505.02
Based on the assumptions shown. This result is an illustration, not a quotation or guaranteed benefit.
Growth Projection
Method and scope
Accumulation-phase super illustration in a taxed fund: employer SG is 12% of entered qualifying earnings, limited to the 2026–27 annual maximum contribution base of $270,830. Salary excludes super. Voluntary payments here are concessional salary sacrifice. Contributions are reduced by 15% tax. The $32,500 annual concessional cap is checked, with no carry-forward. Enter a return after investment taxes and fees. Division 293, LISTO, insurance, Age Pension and withdrawal rules are excluded. Earnings, limits and contribution rates are held constant for the projection.
Try the starting example
Current balance: $10,000; Annual qualifying earnings, excluding super: $80,000; Monthly salary sacrifice (before contributions tax): $200; Assumed annual return (nominal): 5%; Years: 20.
Projected balance: $376,505.02.
Compare one assumption at a time
Only the assumed investment return changes; contribution inputs stay fixed. Check any eligibility or contribution-limit warning before using a result. A projected balance does not establish withdrawal income or tax relief. Where no editable return is supported, use the profile-specific interpretation below. These fictional scenarios use the starting inputs printed above, not your current entries in the interactive calculator.
| Assumed annual return (nominal) | Projected balance | Interpretation |
|---|---|---|
| 3% | $297,264.25 | One changed input |
| 5% | $376,505.02 | Starting example |
| 7% | $483,175.05 | One changed input |
Is the salary figure inclusive or exclusive of super?
The super tool expects qualifying salary excluding super and treats voluntary payments as concessional salary sacrifice. Avoid entering a total remuneration package as salary and then adding super again. Its balance excludes insurance and is different from an accessible savings goal.
To reproduce the table, reset the calculator, change only the named input and compare the result and any warning. Record the assumptions with your result. See worked planning examples and our calculation and correction process.
Sources and review date
Rules and method reviewed 2026-11-01. Future changes are not automatically applied. Report a correction.