Superannuation Calculator Australia: 12% SG Rate, Retirement Balance
Project your super balance at retirement using the 12% Super Guarantee, salary sacrifice, returns and fees. 2025-26 caps and rules. Free and private.
Last updated: June 2026
What is superannuation? Super is Australia's compulsory retirement savings system. Your employer contributes 12% of your ordinary time earnings into your super fund, where it stays invested until you retire, generally between age 60 and 67.
โ ๏ธ Your before-tax contributions exceed the A$30,000 concessional cap for 2025-26. Excess contributions may be taxed at your marginal rate.
Note: with income above A$250,000, Division 293 applies an extra 15% contributions tax, reflected above.
Estimated balance at retirement
- Balance at retirement
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- Years to retirement
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- Total employer contributions
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- Total salary sacrifice
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- Total investment growth
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| Age | Contributions | Growth | Balance |
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The Australian Age Pension (up to about A$1,144 a fortnight for a single) may supplement your super, depending on your income and assets.
Decades of compounding, working quietly
Super is one of the most powerful wealth-building tools an Australian has, precisely because it runs in the background for decades. This superannuation calculator projects your balance to retirement using the 12% Super Guarantee, any salary sacrifice you add, your fund's return and its fees.
The Super Guarantee reached its final 12% rate on 1 July 2025. On a A$85,000 salary that is A$10,200 going into your fund every year, before you add a cent yourself. Because concessional contributions are taxed at just 15% inside the fund rather than your marginal rate, salary sacrificing extra is one of the most tax-effective moves available, up to the A$30,000 cap for 2025-26.
Fees look small but compound against you. A difference of half a percent in annual fees on a six-figure balance can cost tens of thousands by retirement, so the calculator lets you test it. Check how your take-home pay looks alongside super with the Australia income tax calculator, and model your wider retirement with the retirement calculator. Everything here runs privately in your browser.
Disclaimer: Projections are estimates only. Super returns vary and are not guaranteed. Insurance premiums and fund-specific costs beyond the fee input are not included. Consult a financial adviser or use the ATO superannuation calculators at ato.gov.au. Full disclaimer.
How it works
Three quick steps โ no account, nothing uploaded to a server.
Enter your details
Add your age, salary and current super balance.
Set contributions
Choose your SG rate, any salary sacrifice, return and fees.
See your projection
Get your retirement balance and a year-by-year table.
Related reading
Rates and rules on this page are verified against Australian Taxation Office (ATO). Last checked July 2026.
FAQ
Frequently asked questions
What is the superannuation guarantee rate for 2025-26?
The Super Guarantee rate reached its final level of 12% on 1 July 2025. That means your employer must pay 12% of your ordinary time earnings into your super fund, on top of your salary. There are no further legislated increases planned. For a worker on A$80,000, that is A$9,600 a year going into super before any extra contributions you make yourself.
What is the concessional contributions cap?
Concessional (before-tax) contributions, which include the employer Super Guarantee, salary sacrifice and personal deductible contributions, are capped at A$30,000 for 2025-26. Contributions within the cap are taxed at just 15% inside the fund, which is lower than most people's marginal rate. From 1 July 2026 the cap rises to A$32,500. Going over the cap can mean extra tax, so the calculator warns you if your inputs exceed it.
How is super taxed?
Concessional contributions are taxed at 15% as they enter the fund, rather than at your marginal income tax rate, which is why salary sacrificing is so tax-effective. Investment earnings inside the fund are taxed at up to 15%. If your income plus contributions exceed A$250,000, Division 293 applies an extra 15% on some contributions. Once you retire and meet a condition of release, withdrawals are generally tax-free after age 60.
When can I access my super?
You can generally access your super once you reach your preservation age, which is 60 for anyone born after June 1964, and retire, or at 65 regardless of work status. Accessing it earlier is only possible in limited hardship or compassionate circumstances. This calculator projects your balance to a retirement age you choose, defaulting to 67, the Age Pension age.
Will my super be enough to retire on?
It depends on your balance, your spending and how long you live. This calculator gives a rough monthly income if your balance is drawn down over 25 years at your assumed return. The Age Pension may top this up depending on your income and assets. Fees matter enormously over decades, so compare funds. Treat the projection as a guide and seek personal financial advice.