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Australian Superannuation Calculator 2026-27

Project your Super balance at retirement using the 12% Super Guarantee, model salary sacrifice against ATO concessional caps, and estimate your account-based pension income with ATO minimum drawdown rates.

🧓 Your Profile & Salary
$
$
💼 Voluntary Contributions
PROJECTED SUPER BALANCE AT RETIREMENT
$0
Age 67 · Nominal dollars
Est. Retirement Income
$0/yr
Total Contributions Tax
$0
Tax Saved via Sacrifice/yr
$0
Total Fees Paid
$0
⚠️
💼
Starting Super Balance$0
+ Net Employer SG Contributions (after 15% tax)$0
+ Net Salary Sacrifice (after 15% tax)$0
+ Non-Concessional (After-Tax) Contributions$0
+ Net Investment Growth$0
− Total Fund Fees−$0
Balance at Retirement$0

Super Balance Growth Projection

AgeBalance StartNet SGNet VoluntaryGrowthFeesBalance End
💼 Salary Sacrifice & Tax Optimizer

WITHOUT SACRIFICE

TAKE-HOME PAY IMPACT
$0
SUPER GROWTH (30YR)
$0

WITH SACRIFICE

TAKE-HOME PAY REDUCTION
$0/mo
NET ADDED TO SUPER/MO
$0
30-YEAR WEALTH BOOST
$0
Adjust the slider to see the trade-off between take-home pay and long-term super growth.

What is the Super Guarantee (SG)?

The SG is the compulsory contribution your employer must pay into your super fund — currently 12% of your ordinary time earnings, the final step of a multi-year legislated increase that concluded on 1 July 2025.

Concessional vs Non-Concessional Caps

Concessional (before-tax) contributions — SG, salary sacrifice, personal deductible — are taxed at 15% in the fund and capped annually. Non-concessional (after-tax) contributions enter tax-free but have a separate, larger annual cap (roughly 4× the concessional cap).

Government Co-Contribution & LISTO

Lower-income earners who make personal after-tax contributions can receive a government co-contribution of up to $500/yr. Separately, the Low Income Super Tax Offset (LISTO) refunds the 15% contributions tax (up to $500/yr) for eligible low-income earners.

Preservation Age vs Age Pension Age

Preservation age — the earliest you can generally access your super — is 60 for anyone born after 30 June 1964. The Age Pension (a separate Centrelink payment) has its own qualifying age of 67, regardless of your super's preservation age.

How to Use This Superannuation Calculator

  1. Enter your current age, target retirement age, current super balance and annual salary. Choose the financial year to apply the correct ATO concessional contributions cap, then set your Super Guarantee rate (12% is the current legislated rate for both 2025–26 and 2026–27).
  2. Add any voluntary contributions: salary sacrifice (pre-tax, taxed at 15% in the fund) or non-concessional personal after-tax contributions (no contributions tax, but capped separately). Select your marginal tax rate so the calculator can show how much tax you save by sacrificing into super instead of taking the cash as salary.
  3. Pick an investment risk profile — or enter a custom return — along with fund fees and an assumed annual salary growth rate. The calculator compounds contributions and growth monthly, not as a single annual lump sum, for a more realistic projection. Toggle "Real (Today's) Dollars" to see your projected balance adjusted for 2.5% p.a. inflation.

Worked example: A 30-year-old on $90,000 with a $30,000 starting balance and 12% SG, no voluntary contributions, growth-profile returns (7.5%) and 3% p.a. salary growth, reaches roughly $2.8 million (nominal) by age 67 — before adjusting for inflation or investment sequence risk.

This calculator provides general estimates for informational purposes and is not tax, financial, or retirement advice. It does not account for every fee structure, market volatility, insurance premiums inside super, or individual circumstances such as career breaks. Confirm your figures with the ATO, your super fund, or a licensed financial adviser. Super Guarantee rate, contribution caps, Division 293 threshold and ATO minimum drawdown rates reflect currently legislated figures as at July 2026. Read the full Superannuation Calculator Guide for a complete walkthrough, including the current caps table and PAYG-style formulas.