Free Tool · Super & Investing

Super Calculator

See how much super you could have at retirement based on your current balance, salary, and how long you have left to grow it.

Your details

Current age

Retirement age

Current super balance

Current annual salary (before tax)

Your employer pays 11.5% of this into your super each year (2025–26 rate).

Assumptions

Annual return rate 7.0%

Long-term average for a balanced super fund: ~7–8% p.a. before fees and tax.

Annual salary growth 2.5%

Approximate annual increase in your salary over time.

Voluntary contributions (optional)

Extra contributions per year

Salary sacrifice or after-tax contributions. The concessional cap is $30,000/year (2025–26) including employer contributions.

Estimate only. Projections assume constant rates and do not account for super fees, insurance premiums, tax on contributions, career breaks, or inflation. For personal advice consult a licensed financial adviser.

Projected super balance at retirement

$2.69M

at age 67 — 42 years of growth at 7% p.a.

Total contributions

$549K

Investment growth

$2.15M

Employer contributions/yr

$7K

Current balance

$5K

Your projected balance of $2.69M exceeds the ASFA comfortable retirement standard for a single person ($595K). You're on a solid track — keeping fees low and reviewing your investment option regularly will help you stay there.

Projected balance over time

Projected balance

Total contributions

Balance milestones

✓ $50KAge 30

✓ $100KAge 34

✓ $200KAge 39

✓ $300KAge 42

✓ $500KAge 47

✓ $750KAge 52

Impact of voluntary contributions

Extra/yearBalance at retirementExtra balance