Super Growth Calculator (AU)
Project how your superannuation will grow to retirement. See balance projections, contribution impacts, and estimated retirement income. Free AU super calculator.
How This Calculator Works
Enter your salary, age, and current balance for an instant projection. Standard mode adds salary sacrifice modelling and custom returns. Detailed adds fees, insurance drag, and inflation. Advanced unlocks Div 293, scenario A/B, reverse solver, and sensitivity analysis.
2025-26 Super Rules
Salary Sacrifice Benefits
Instead of receiving income taxed at up to 47%, direct it into super taxed at 15%. On $120k income, sacrificing $10k saves ~$2,250/yr in tax. Over 30 years with compound returns, this creates a dramatically larger balance. The concessional cap is $30k including employer SG.
Impact of Fees
A 0.5% fee difference can reduce your balance by 10-15% over 30 years. This calculator models admin fees (fixed $), investment fees (% of balance), and insurance premiums deducted from super.
Methodology
Year-by-year: salary grows, SG calculated, sacrifice capped at $30k, 15% contributions tax, Div 293 if applicable, fees deducted, balance grows by net return. Default 7.5% return = median balanced fund long-term. Past performance is not a guarantee.
FAQs
ASFA: by 30 ~$65-80k, by 40 ~$200-300k, by 67 ~$595k (single comfortable). Use Scenario A/B to compare strategies.
Extra 15% tax on concessional contributions when income+contributions exceeds $250k. Total 30% vs top marginal 47%.
Understanding Your Result
Balance is in future dollars. Real value shows inflation-adjusted purchasing power. Use sensitivity to stress-test returns. Disclaimer: Estimates only. Not financial advice. Consult a licensed adviser.
This calculator provides estimates only and does not constitute financial advice. Verify results with a qualified professional.