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Superannuation Calculator

How much super will you have
when you retire?

Project your superannuation balance at retirement and estimate the income it could provide. Adjust the inputs to explore different scenarios.

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Your details

Personal information

Current age
yrs
Gender
Planned retirement age
yrs
Life expectancy

Current super & income

Current super balance
$
Annual salary (before tax)
$

Salary growth is assumed at 2.5% p.a.

Super Guarantee rate 11.5%
10%15%

Legislated SG rate is 11.5% (2024–25), rising to 12% from 1 July 2025.

Additional contributions

Extra before-tax (concessional)
$/yr

Concessional cap: $30,000 p.a. (incl. employer SG)

Extra after-tax (non-concessional)
$/yr

Non-concessional cap: $120,000 p.a.

Investment & fees

Expected investment return 7.0%
2%12%
Investment fees 0.85%
0.1%3.0%
Inflation assumption 2.5%
1%5%
⚠️
This calculator provides estimates only. It does not account for all personal circumstances, government benefits, tax offsets, or changes in legislation. Results are shown in today's dollars unless otherwise noted. Speak to a licensed financial adviser before making financial decisions.
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Your projected retirement balance
Estimated super at retirement
$0
In today's dollars (real terms)
Your employer contributions
$0
Investment earnings (net)
$0
Voluntary contributions
Years invested
0
Balance breakdown
Starting balance $0
Employer contributions $0
Investment earnings $0
Voluntary contributions $0

Estimated retirement income

From super alone
$0
Incl. age pension est.
$0

Drawdown over 0 years at 5% p.a. withdrawal rate. Age Pension eligibility and rate are estimates only.

Employer contributions
Investment earnings
Voluntary contributions

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  • Super Guarantee (SG): The legislated minimum employer contribution rate. Currently 11.5% (2024–25), rising to 12% from 1 July 2025. This calculator uses your selected rate throughout.
  • Salary growth: Your salary is assumed to grow at 2.5% per annum, consistent with long-run wage price index assumptions.
  • Investment return: Applied after investment fees, before the 15% earnings tax that applies within superannuation accumulation phase.
  • Tax on earnings: The calculator applies an effective 15% tax rate to investment earnings, consistent with the standard superannuation accumulation tax environment.
  • Tax on concessional contributions: Concessional (before-tax) contributions are taxed at 15% on entry, consistent with current superannuation law.
  • Inflation: Results are shown in today's purchasing power (real dollars) by discounting future values by the assumed inflation rate.
  • Retirement income drawdown: Estimated income is calculated using a 5% annual withdrawal rate from the retirement balance over the selected drawdown period.
  • Age Pension estimate: A simplified estimate based on 2024–25 Age Pension rates for singles ($1,144.40/fortnight). Actual eligibility depends on income and asset tests administered by Services Australia.
  • No career breaks: The calculator assumes continuous employment from your current age to retirement age.
  • No insurance premiums: Insurance premiums inside super funds reduce balances and are not modelled.
  • No rollovers or fund consolidations: Only a single super account is modelled.
  • Concessional contributions cap: $30,000 per year (includes employer SG and salary sacrifice). Unused cap amounts may be carried forward under catch-up rules if your balance is below $500,000.
  • Non-concessional contributions cap: $120,000 per year. The bring-forward rule allows up to $360,000 over three years for those under 75.
  • Preservation age: Currently 60 for those born after 30 June 1964. Super can generally be accessed tax-free after age 60 upon retirement or meeting a condition of release.
  • Age Pension qualifying age: Currently 67 for Australians born on or after 1 January 1957.
  • Transfer Balance Cap: $1.9 million limit on the amount that can be transferred to a retirement pension account (tax-free earnings phase).
  • Super tax on large balances: From 1 July 2025, balances above $3 million may be subject to an additional 15% tax on earnings (Division 296 tax — subject to legislation).

Enter your current age, retirement age, current super balance, and salary. The calculator will project your super balance at retirement based on:

  • Ongoing employer Super Guarantee contributions
  • Any additional voluntary contributions you make
  • Investment earnings net of fees and super earnings tax
  • Inflation adjustment to show results in today's dollars

The estimated retirement income shows how long your super could last at a 5% annual drawdown rate, plus an estimate of the Age Pension if applicable. Adjust the investment return and fee sliders to test optimistic and conservative scenarios.

For personalised advice, speak to a licensed financial adviser. Funding Nest specialises in mortgage broking and property finance — for superannuation and retirement advice, we recommend engaging a licensed financial planner.

Important disclaimer & general advice warning

This calculator is provided for general information and educational purposes only. It does not constitute financial product advice. The results are estimates based on the assumptions you enter and a number of simplifying assumptions described above. Actual outcomes will differ due to changes in legislation, investment markets, personal circumstances, inflation, fees, and other factors.

This calculator does not take into account your personal objectives, financial situation, or needs. You should consider whether this information is appropriate for you and seek independent financial, tax, and legal advice before making any financial decisions. Past performance is not a reliable indicator of future performance.

Information about superannuation contributions caps, tax rates, and Age Pension rates is based on 2024–25 financial year figures and is subject to change. Always verify current rates with the Australian Taxation Office and Services Australia.

Funding Nest Pty Ltd is a credit licensee (Australian Credit Licence 431066) operating as a mortgage and finance broker. We are not licensed to provide financial product advice relating to superannuation or investments. The calculator and associated content are provided as a general educational resource only. For superannuation and retirement planning advice, please consult a licensed financial adviser.

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