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Superannuation Calculator
Calculate your Australian super balance at retirement with employer SG, salary sacrifice, and compound growth.
💰Your Super Details
30
67
A$90,000
A$50,000
12%
2026 SG rate: 12% (rising to 12.5%)
A$200/mo
7.5%
3%
Super at RetirementA$3.65M
Employer SG
A$715K
Your Extra
A$89K
Growth
A$2.80M
Super Breakdown
Super Growth Over Time
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Key Features
🏦
Employer SG
See how mandatory super guarantee contributions build your retirement nest egg.
➕
Salary Sacrifice
Calculate the tax-effective boost from extra salary sacrifice contributions.
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15% Tax Advantage
Super contributions are taxed at just 15% — much lower than your marginal rate.
How to Use
1
Enter Details
Set your age, salary, and current super balance.
2
SG Rate
Current SG rate is 12% (2026), rising to 12.5%.
3
Add Salary Sacrifice
Enter any extra monthly contributions for a bigger balance.
4
View Projection
See your projected super balance at retirement.
Formula Used
Super = Σ [(SG + Sacrifice - Tax) × (1+r)^remaining years]SG= Super Guarantee (12% of salary)
Sacrifice= Additional salary sacrifice contributions
Tax= 15% contributions tax
r= Annual investment return rate
Frequently Asked Questions
Superannuation (super) is Australia's compulsory retirement savings system. Your employer must contribute a percentage of your salary (Super Guarantee) into your super fund.