Superannuation Calculator

Project your Australian superannuation balance from the 12% employer guarantee and any extra contributions.

Current age	30 years
Retirement age	67 years
Salary (before tax)	$90,000
Current super balance	$40,000
Extra concessional (salary sacrifice) per year	$0
Return after fees	7 %
Yearly salary rise	3 %

Current age

years

Retirement age

years

Salary (before tax)

Current super balance

Extra concessional (salary sacrifice) per year

Return after fees

Yearly salary rise

Super balance at 67

$2,681,851

The Super Guarantee is 12% of ordinary earnings from 1 July 2025. Concessional contributions are capped at A$30,000 a year and taxed at 15% in the fund.

Employer SG this year: $10,800

Your super over time

Year 37Balance $2,681,851Net contributions $646,042Point at the chart, or Tab to it and use ← →

BalanceNet contributions

Balance by year

Year	Net contributions	Growth	Balance
1	$49,180	$3,121	$52,301
2	$58,635	$7,113	$65,749
3	$68,374	$12,057	$80,431
4	$78,406	$18,038	$96,444
5	$88,738	$25,151	$113,888
6	$99,380	$33,495	$132,875
7	$110,341	$43,180	$153,522
8	$121,632	$54,322	$175,953
9	$133,261	$67,046	$200,306
10	$145,238	$81,486	$226,725
11	$157,576	$97,789	$255,364
12	$170,283	$116,109	$286,392
13	$183,371	$136,615	$319,986
14	$196,852	$159,485	$356,338
15	$210,738	$184,915	$395,653
16	$225,040	$213,111	$438,151
17	$239,771	$244,297	$484,069
18	$254,945	$278,713	$533,658
19	$270,573	$316,616	$587,189
20	$286,670	$358,283	$644,953
21	$303,250	$404,010	$707,260
22	$320,328	$454,116	$774,444
23	$337,917	$508,943	$846,860
24	$356,035	$568,857	$924,892
25	$374,696	$634,253	$1,008,949
26	$393,917	$705,552	$1,099,469
27	$413,714	$783,207	$1,196,922
28	$434,106	$867,706	$1,301,812
29	$455,109	$959,568	$1,414,677
30	$476,742	$1,059,352	$1,536,094
31	$499,025	$1,167,659	$1,666,683
32	$521,975	$1,285,130	$1,807,105
33	$545,615	$1,412,454	$1,958,069
34	$569,963	$1,550,371	$2,120,335
35	$595,042	$1,699,673	$2,294,715
36	$620,542	$1,861,195	$2,481,737
37	$646,042	$2,035,809	$2,681,851

About the Superannuation Calculator

Employers must pay the Superannuation Guarantee of 12% of ordinary time earnings (from 1 July 2025). Concessional (before-tax) contributions, including salary sacrifice, are taxed at 15% in the fund and capped at A$30,000 a year; unused cap can be carried forward for five years if your balance is under A$500,000.

The formula

Each year: balance × (1 + r) + (12% × salary + extra) × 0.85

Worked example

Example: Super balance at 74 = $5,210,348

Inputs: Current age: 33 years; Retirement age: 74 years; Salary (before tax): $99,000; Current super balance: $44,000; Extra concessional (salary sacrifice) per year: $0; Return after fees: 8%; Yearly salary rise: 3%.
Formula: Each year: balance × (1 + r) + (12% × salary + extra) × 0.85
Result: Super balance at 74 = $5,210,348
Employer SG this year: $11,880

Questions people ask

When can I access super?

At your preservation age (60 for anyone born after June 1964) once retired, or at 65.

Should I salary sacrifice?

It can save tax if your marginal rate is above 15%; check you stay under the cap.

Sources

ATO: Super guarantee