Superannuation calculators
Project your super at retirement, see what salary sacrifice and extra contributions do, what fees and insurance cost you, and when and how you can take it out.
17 calculators, free and with no sign-up. Every result shows its working.
What would salary sacrifice save?
The salary sacrifice calculator's working, with the 15% tax on contributions and this year's concessional cap.
- Added to super$4,250
- Less take-home pay$3,400
Sacrificing $5,000 adds $4,250 to your super and costs $3,400 in take-home pay: $850 less tax in total.
The figures today
Where most people start
Super Balance Projector
Your super at retirement, from today's balance and contributions
Salary Sacrifice Optimizer
The tax you'd save by sacrificing salary into super
Retirement Income Calculator
The income your super could pay, and how long it would last
Super Fee Calculator
What your fund's fees cost you by the time you retire
All 17 calculators, by what they answer
How much will I have?
- Super Balance ProjectorYour super at retirement, from today's balance and contributions
- Retirement Income CalculatorThe income your super could pay, and how long it would last
- Super Gap Analysis ToolThe gap between the super you're on track for and what you'd need
- Preservation Age CalculatorWhen you can get to your super, from your date of birth
How do I grow it?
- Salary Sacrifice OptimizerThe tax you'd save by sacrificing salary into super
- Super Contribution PlannerConcessional and non-concessional contributions against the caps
- Super Co-contribution CalculatorWhether you'd get the government co-contribution, and how much
- Employer SG CalculatorThe super your employer should pay, to check against your payslip
What is it costing me?
- Super Fee CalculatorWhat your fund's fees cost you by the time you retire
- Super Fund Comparison ToolYour MySuper product's fees and returns against the top quarter
- Super Consolidation CheckerWhat combining your super accounts saves in fees
- Insurance Through Super CalculatorLife, TPD and income protection inside super against outside it
- Super Tax CalculatorThe tax on contributions, earnings and withdrawals
- SMSF Setup Cost CalculatorWhat a self-managed fund costs to set up and run
The figures in full
Across 50 MySuper products, the typical return over the ten years to 30 June 2026 was 8.0% a year after fees and tax, and the typical fee on a $50,000 balance was $408 a year, from APRA's data.
From 20 September 2026, the full Age Pension is $1,237.70 a fortnight for a single and $1,866.00 for a couple together. It next changes on 20 March 2027.
The real products and rates
Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.
Questions these calculators answer
- How much super do I need to retire?
- The Retirement Standard from ASFA (the Association of Superannuation Funds of Australia) estimates a couple needs about $730,000 at 67 for a comfortable retirement, and a single about $630,000. It assumes you own your home and receive a part Age Pension. Open the Super Balance Projector
- Does salary sacrifice reduce my super guarantee or other entitlements?
- Not your super guarantee: it is worked out on your earnings before salary sacrifice. Other entitlements such as leave loading and overtime rates depend on your award or agreement, so check what your salary sacrifice arrangement says. Open the Salary Sacrifice Optimizer
- How do I claim the co-contribution?
- You don't need to apply. Just lodge your tax return as normal. If you've made a personal contribution and your super fund has reported it, the ATO will calculate your eligibility and pay it directly to your super fund. Open the Super Co-contribution Calculator
- What is my preservation age if I was born in 1964?
- It depends on the month. Born before 1 July 1964, it is 59. Born on or after 1 July 1964, it is 60. Open the Preservation Age Calculator