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Superannuation Calculator

Project your Australian superannuation balance at retirement using current 2025 SG rates and compound returns.

⚡ Superannuation Calculator
Projected Balance
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Total Contributions
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Investment Growth
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Years to Retirement
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Superannuation Guarantee Rates — Australia 2025

The Super Guarantee (SG) is the mandatory employer contribution to your super fund. The rate has been steadily increasing as part of planned legislation:

Financial YearSG Rate
2024–2511.5%
2025 onwards12.0% (legislated final rate)

How Much Super Do You Need to Retire? (ASFA 2025)

Retirement LifestyleSingle ($/year)Couple ($/year)Lump Sum Needed
Comfortable$51,630$72,663~$595,000
Modest$33,134$47,731~$100,000

Source: Association of Superannuation Funds of Australia (ASFA) Retirement Standard, 2025

Superannuation Contribution Caps 2025–26

  • Concessional contributions (pre-tax, including employer SG): $30,000/year cap
  • Non-concessional contributions (after-tax): $120,000/year cap
  • Catch-up contributions: Eligible members can carry forward unused concessional cap amounts from previous years (requires balance under $500,000)

Strategies to Boost Your Super

  • Salary sacrifice: Direct pre-tax salary into super — contributions taxed at only 15% instead of your marginal rate
  • Government co-contribution: For low-income earners making after-tax contributions, the government matches up to $500
  • Spouse contributions: Contributing to a low-income spouse's super can attract an 18% tax offset
  • Investment option review: Younger members often benefit from higher-growth investment options
⚠️ Super projections are estimates using the assumed return rate you enter. Past fund performance doesn't guarantee future results. Consider consulting a licensed financial adviser for personalised superannuation advice.
Frequently Asked Questions
When can I access my superannuation?

Your preservation age is 60 if born after 30 June 1964. You can access super from preservation age once you retire, or at age 65 regardless of employment status. Accessing super before preservation age is severely restricted to specific compassionate grounds or financial hardship cases.

How do I consolidate multiple super accounts?

Log into myGov linked to the ATO, or contact your chosen fund directly. Check what insurance coverage you hold in each fund before closing accounts — you may lose valuable death, TPD or income protection cover. Multiple accounts mean multiple fee sets eroding your balance over time.

What is the difference between concessional and non-concessional super contributions?

Concessional contributions (salary sacrifice, employer SG, personal deductible contributions) are taxed at 15% inside your fund — beneficial for those in higher tax brackets. Non-concessional contributions are from after-tax income with no further tax in the fund. Both types are subject to annual caps.

How are super funds invested?

Most Australian super funds offer multiple investment options ranging from conservative (mostly bonds and cash) to high growth (mostly Australian and international shares). The long-term average return for balanced Australian super funds is approximately 7–8% per annum after fees but before tax on fund earnings.

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