Superannuation Calculator
Calculate your Australian super balance at retirement with employer SG, salary sacrifice, and compound growth.
💰Your Super Details
2026 SG rate: 12% (rising to 12.5%)
Employer SG
A$715K
Your Extra
A$89K
Growth
A$2.80M
Super Breakdown
Super Growth Over Time
Share Your Super Projection
Help mates understand the power of super! 🇦🇺
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.
15% Tax Advantage
Super contributions are taxed at just 15% — much lower than your marginal rate.
How to Use
Enter Details
Set your age, salary, and current super balance.
SG Rate
Current SG rate is 12% (2026), rising to 12.5%.
Add Salary Sacrifice
Enter any extra monthly contributions for a bigger balance.
View Projection
See your projected super balance at retirement.
The Formula
Super = Σ [(SG + Sacrifice - Tax) × (1+r)^remaining years]Frequently Asked Questions
What is Superannuation?
Superannuation (super) is Australia's compulsory retirement savings system. Your employer must contribute a percentage of your salary (Super Guarantee) into your super fund.
What is the 2026 SG rate?
The Super Guarantee rate is 12% in 2025-26, scheduled to increase to 12.5% from July 2026. It's set to reach 12% and stabilize.
What is salary sacrifice?
Salary sacrifice means contributing extra money from your pre-tax salary into super. You save tax because super contributions are taxed at 15% instead of your marginal rate.
When can I access my super?
You can access super when you reach your preservation age (60 for most Australians) and retire. Some early access is available for severe financial hardship or medical conditions.
How much super should I have at my age?
Rough guide: By 30: 1x salary, By 40: 2.5x salary, By 50: 5x salary, By 60: 8x salary. These are general targets for a comfortable retirement.
Is super taxed?
Contributions are taxed at 15%. Investment earnings inside super are taxed at max 15%. In retirement (60+), withdrawals from a taxed super fund are completely tax-free.