Project your super balance at retirement with compound growth and employer contributions.
Super is one of those things most people don't think about until they're closer to retirement than they'd like — and by then, the magic of compounding has had less time to work. A quick calculation now can show you what your projected balance looks like at retirement and how relatively small changes today make a surprisingly large difference over time.
This calculator takes your current super balance, age, salary, and expected retirement age and projects what you'll have when you stop working. It accounts for the mandatory employer contributions (currently 11.5% of your ordinary time earnings) and lets you model the impact of adding voluntary contributions on top.
The results are projections based on assumed investment returns and inflation — not guarantees. But they give you a meaningful picture of whether you're on track and what levers you have to pull if you want to improve your position.
As of 2024-25, employers are required to contribute 11.5% of your ordinary time earnings to super. This rate is legislated to increase to 12% from 1 July 2025.
The Association of Superannuation Funds of Australia (ASFA) estimates that a comfortable retirement for a single person requires around $595,000 at retirement, assuming a partial age pension. For a couple, around $690,000. A modest retirement can be achieved with less, supplemented by the age pension.
For most people in the 30-50 age range, voluntary concessional (pre-tax) contributions are one of the most tax-effective things you can do. Contributions are taxed at 15% inside super rather than at your marginal rate — which for someone earning $80,000 is a saving of 17.5 cents per dollar contributed.
Your preservation age depends on when you were born. For anyone born after 30 June 1964 it is 60. You can access your super at 60 if you have retired, or at 65 regardless of employment status.
Yes — adjust the retirement age field and recalculate. You'll see clearly how an extra few years of contributions and growth affects the final balance.