The Finance Algorithm
§ Tool · tier 1 · independent

Super Balance Projector.

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

CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
30y

Your age now

67y

Age pension age is 67. Preservation age 60

$
$50k

Total super across all funds today

$
$90k

Your gross annual salary

%
12%

Super Guarantee 12% from 1 Jul 2025

$
$0

Concessional cap: 30,000/yr including SG

%
7.5%

Long-term balanced funds average ~7.5%

$
$100

Fixed annual fee charged by your fund

%
0.8%

Cheap funds <0.6%, average ~1%, retail funds 1.5%+

%
3.5%

RBA target 2-3%. Used for present value calc

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

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.

§ Worked examples

Real-world scenarios

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.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

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.