Project your super balance at retirement with compound growth and employer contributions.
Enter the current balance, age, salary, contribution rate and assumed return, then calculate the projected retirement balance and compare contribution scenarios.
Investment returns, fees, tax, insurance and contribution rules can materially change real outcomes.
The calculator grows the current balance using the return rate you enter and adds estimated employer contributions over the years to retirement. It is a compound-growth scenario, not a forecast of what a super fund will actually earn. Changing the assumed return by even one or two percentage points can produce a very different long-term balance.
The Australian super guarantee rate is 12% in 2026–27, but contribution rules, caps, fees, insurance premiums and tax inside the fund can affect real outcomes. From July 2026, Payday Super also changes when many employer contributions are paid. The projection does not model every fee, tax rule, market fall or salary change. Use it to compare contribution and return assumptions, then check current rules with the Australian Taxation Office and your fund.