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
$
$
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)
$
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.
Go deeper with Super & Investing lessons
You've seen the projections —
now learn how to actually improve them

Extra contributions, fund choice, and investment options can dramatically change your retirement balance. These lessons explain how.

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Lesson 1 · Super & Investing
How Super Actually Works
Free
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Lesson 4 · Super & Investing
Voluntary Contributions: Why Extra Super Is a Superpower
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Lesson 2 · Super & Investing
Choosing the Right Super Fund
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