Calculate Your Retirement Balance
Use our free superannuation calculator to project your retirement savings based on current contributions, salary sacrifice options, and expected returns.
Superannuation Calculator
Understanding Superannuation in Australia
What is Superannuation?
Superannuation (super) is Australia's compulsory retirement savings system. Your employer contributes 11.5% of your salary (as of 2025) into your super fund, which is invested to grow your retirement savings over time.
Benefits of Planning Ahead
Starting early and making additional contributions can significantly increase your retirement balance due to compound interest. Even small extra contributions can make a substantial difference over decades.
Salary Sacrifice Advantages
Salary sacrifice contributions are taxed at only 15% instead of your marginal tax rate, potentially saving you thousands in tax while boosting your super balance.
Government Co-contributions
If you're eligible, the government may contribute up to $500 per year to your super when you make personal contributions, effectively giving you free money for your retirement.
Our Calculator Features
- Accurate Projections: Uses current Australian superannuation rates and realistic return assumptions
- Multiple Scenarios: Compare different contribution levels and investment strategies
- Tax Benefits: Includes salary sacrifice tax advantages in calculations
- Visual Charts: See your super balance growth over time
- Mobile Friendly: Calculate on any device, anywhere
Important Disclaimer
This calculator provides estimates only and should not be considered as financial advice. Superannuation rules, tax rates, and contribution limits may change. Please consult with a qualified financial advisor for personalized advice tailored to your specific circumstances.