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Super Calculator

See what your super could grow to by retirement, with the 12% super guarantee, extra contributions and fees.

$

Before tax, not including super

$
$

Salary sacrifice, a year

More options· 7% growth, 0.8500000000000001% fees
%

A year, after tax, before fees

%

A year

%

A year

%

A year

At 67 you could have

$2,175,999

With 12% super from your employer

In today’s money
$872,722
Yearly income at 4%, in today’s money
$34,909
Where it comes from
  • What you have now$40,000
  • Your employer adds$590,080
  • Investment growth$1,545,920

What this means

About 71% of it is investment growth, not money you put in. The earlier you start, the longer each contribution has to grow.

Your employer adds $590,080 over the years: extra pay you only get by saving yourself.

Prices will rise, so $2,175,999 in 37 years buys about what $872,722 buys today.

Next step

Year by year

AgeYouEmployerBalance
35$0$10,332$110,359
40$0$11,978$214,174
45$0$13,886$364,512
50$0$16,097$579,207
55$0$18,661$882,565
60$0$21,633$1,307,646
65$0$21,272$1,890,575
67$0$21,911$2,175,999

This year (2026–27)

Super guarantee (12%)$10,800
Contributions tax−$1,620

You could add $21,700 more before tax this year without going over the $32,500 cap.

Assumptions in this estimate
  • Your employer pays 12% of your salary, up to $270,830 a year. Since 1 July 2026, super is paid with each pay (payday super).
  • Before-tax contributions are taxed at 15% in the fund (another 15% on income over $250,000), within the $32,500 yearly cap, which stays at today’s level.
  • If you earn up to $37,000, the low income super tax offset refunds the contributions tax, up to $500. From 1 July 2027, that’s up to $810 on incomes up to $45,000.
  • Growth is after the tax your fund pays on earnings, and fees are taken off it. Your pay rises by 3% a year, and “in today’s money” takes off 2.5% inflation a year.
  • You can usually access super from age 60 once you retire. The 4% figure is a common rule of thumb for a yearly income.
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How the calculator works

  1. Your employer’s super: 12% of your salary, up to $270,830 a year, taxed at 15% as it goes in.
  2. Your extra contributions: salary sacrifice, within the $32,500 cap, also taxed at 15%.
  3. Growth: your balance grows at the rate you choose, less your fund’s fees, and your pay rises each year.

What extra contributions add

Starting at 30 on $90,000 with $40,000 in super:

Extra before tax each year At 67 In today’s money
None $2,176,000 $873,000
$5,000 $2,741,000 $1,099,000

2026–27 super limits

2026–27
Super guarantee 12%
Maximum contribution base $270,830 a year
Before-tax (concessional) cap $32,500
After-tax (non-concessional) cap $130,000
Division 293 threshold $250,000
Low income super tax offset Up to $500 on incomes up to $37,000

From 1 July 2027, the low income super tax offset rises to up to $810, on incomes up to $45,000.

Last updated

Frequently asked questions

How much super will I have at 67?

Starting at 30 on $90,000 with $40,000 in super, 12% from your employer, 7% growth less 0.85% fees and 3% pay rises, you’d have about $2.18 million at 67. That’s about $873,000 in today’s money.

What is the super guarantee in 2026–27?

12% of your salary, up to a maximum contribution base of $270,830 a year. Since 1 July 2026, employers pay it with each pay (payday super).

How much can I salary sacrifice?

Before-tax contributions, including your employer’s, are capped at $32,500 in 2026–27. If your super balance was under $500,000, you can also use unused cap from the last 5 years.

Is salary sacrifice worth it?

Before-tax contributions are taxed at 15% in super instead of at your income tax rate. On $90,000, salary sacrificing $5,000 a year costs about $3,400 in take-home pay, and adds about $565,000 by 67 in the example above.

When can I get my super?

Usually from 60, once you retire.