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Super Balance Projector

Calculator

Project your superannuation balance at retirement based on your current savings and contributions.

Free to useNo data storedAI insightsUpdated: February 2026

Your superannuation is likely one of your biggest assets. Use our Super Balance Projector to estimate how much you'll have when you retire based on your current age, income, and contribution data. Small changes today, like salary sacrificing or reducing fees, can make a massive difference over time.

Enter Your Details

Enter Your Details

Your age now

Age you plan to retire

$

Your total super savings today

$

Your gross annual salary

%

Currently 11.5%, rising to 12% in July 2025

$

Extra pre-tax contributions you make

%

Estimated annual return (7.5% is typical for balanced funds)

$

Fixed annual fee charged by your fund

%

Percentage based fee (e.g. 0.8%)

%

To estimate future buying power

Real-World Examples

The Early Starter

Sarah is 25, earns $70k, and has $15k in super. She salary sacrifices $20/week.

Even a small $20/week contribution at age 25 can grow to over $100,000 extra by retirement due to compounding.

Late Bloomer

Mike is 50, earns $120k, has $200k in super. He wants to catch up.

Mike needs to maximize his concessional contributions ($30k cap) to significantly boost his retirement savings in the remaining 17 years.

Frequently Asked Questions

Glossary

Concessional Contributions
Pre-tax contributions like employer guarantee and salary sacrifice. Taxed at 15% in the fund.
Compounding
Earning returns on your returns. The snowball effect that grows your super over time.
Preservation Age
The age you can access your super, usually between 55 and 60 depending on your birth date.

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Interest rates, fees, and policies change frequently. Always verify information with lenders directly. This is general information, not personal financial advice. Consider seeking advice from a licensed mortgage broker or financial advisor.

Last updated: February 2026

How to Use
  1. Enter your current age and planned retirement age.
  2. Input your current super balance and annual income.
  3. Adjust the employer contribution rate if needed (currently 11.5%).
  4. Add any voluntary contributions (salary sacrifice) you plan to make.
  5. Review the investment return and fee assumptions.
  6. View your projected balance at retirement.
Key Information
  • Super Guarantee is currently 11.5% and will increase to 12% on 1 July 2025.
  • Investment returns compound over time – the earlier you start, the better.
  • Fees erode your balance. Lowering fees by just 1% can add thousands to your final balance.
  • This calculator assumes contributions are taxed at 15% upon entry.
Pro Tips
  • Try adding $50/week in salary sacrifice to see the long-term impact.
  • Check your actual fund fees – average is around 1% but low-cost funds can be <0.6%.
  • Consider consolidating multiple super accounts to stop paying multiple sets of fees.
Avoid These Mistakes
  • Assuming high investment returns (e.g., >10%) will happen every year.
  • Forgetting that inflation reduces the future buying power of your money.
  • Not checking insurance premiums which are deducted from your balance.
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