Australia retirement calculator

Superannuation Calculator

Estimate how your super could grow until retirement. Include your current balance, salary, employer super contributions, voluntary contributions, expected investment returns and fees.

Content written and reviewed by the Frontiers Finance team · Last updated: 18 August 2026

Quick answer

How much is superannuation in Australia?

The Superannuation Guarantee rate is 12% in 2026–27. Eligible employers generally contribute at least 12% of ordinary time earnings to super. Your projected retirement balance also depends on voluntary contributions, investment returns, fees, taxes and how long your super remains invested.

Super Guarantee rate

12 %

Standard contributions tax

15 %

Concessional contributions cap

A$ 32,500

Non-concessional contributions cap

A$ 130,000

Personal details

Current age

Retirement age

Current position

Current super balanceYour current total balance across the super account you want to model.

Annual salaryYour annual salary before tax, excluding employer super contributions.

Contributions

Employer super contributionThe percentage of your salary contributed by your employer. The standard Super Guarantee rate is 12%.

Salary sacrifice contributionsAdditional before-tax contributions you choose to make from your salary each year.

After-tax contributionsAdditional personal contributions made from money that has already been taxed.

Investment assumptions

Expected annual investment returnThe estimated average annual return earned by your super investments before fees and the assumed tax on investment earnings.

Estimate your future super

Enter your details and calculate to see an estimate of your superannuation balance at retirement.

How superannuation works

Superannuation is Australia's retirement savings system. Contributions are invested through a super fund and can grow over time until retirement.

Employer contributions

Eligible employees generally receive compulsory Super Guarantee contributions from their employer based on qualifying earnings.

Voluntary contributions

You can increase your retirement savings through additional concessional or after-tax contributions, subject to applicable contribution rules and caps.

Investment returns

Your super fund invests your balance. Investment gains and losses can significantly affect your final retirement balance.

Long-term compounding

Investment earnings can themselves generate future earnings, making time and consistent contributions important factors in long-term super growth.

Super rates and contribution caps

Key rates and standard contribution caps used as reference values for the 2026–27 financial year.

Item	2026–27 value
Super Guarantee rate	12 %
Standard concessional contributions tax	15 %
Concessional contributions cap	A$ 32,500
Non-concessional contributions cap	A$ 130,000

Contribution limits and tax treatment can depend on your circumstances. Additional rules may apply, including carry-forward arrangements, bring-forward arrangements and Division 293 tax.

Types of super contributions

Different types of contributions can be made to your super account and may receive different tax treatment.

Employer Super Guarantee

Compulsory employer contributions are generally concessional contributions and count toward your concessional contribution cap.

Salary sacrifice

You may arrange for part of your pre-tax salary to be contributed to super. These amounts generally count toward your concessional contribution cap.

After-tax contributions

Personal contributions made from after-tax money generally count toward the non-concessional contribution cap when no tax deduction is claimed.

What affects your super projection?

Your eventual retirement balance depends on several assumptions that can change significantly over a long projection period.

Salary and salary growth

Higher earnings can result in larger employer contributions, while future salary increases can progressively increase contributions.

Investment return

Even small differences in long-term investment returns can have a substantial effect on your projected retirement balance.

Super fund fees

Administration, investment, advice and insurance costs can reduce the amount remaining invested for retirement.

Inflation

Inflation reduces future purchasing power. The calculator therefore also expresses your projected balance in today's dollars.

Australian superannuation FAQs

Quick answers to common questions about super contributions, calculations and projected retirement balances.

How much is super in Australia?

The Superannuation Guarantee rate is 12% in 2026–27. Eligible employers generally contribute at least this percentage of an employee's ordinary time earnings to super.

How is superannuation calculated?

Employer super contributions are generally calculated by applying the Superannuation Guarantee rate to eligible ordinary time earnings. Your eventual balance also depends on voluntary contributions, investment returns, fees and taxes.

How much super will I have at retirement?

Your projected super balance depends on your current balance, future employer and voluntary contributions, investment returns, fees and the number of years until retirement. Use the calculator above to estimate your projected balance.

What are the super contribution limits?

Australia applies annual caps to concessional and non-concessional super contributions. Contributions above the applicable caps can have additional tax consequences, and other eligibility rules may affect how much you can contribute.

Important information

This calculator provides an estimate based on the information and assumptions entered. It does not predict actual investment performance or determine your exact tax or superannuation obligations.

Superannuation rules, contribution caps and tax treatment may change. Consider checking current Australian Taxation Office guidance and your super fund information before making financial decisions.