Plan your super,
your way.
Salary sacrifice, contribution caps, balance projections, Division 293, pension drawdown — every super lever you can pull.
Australia’s retirement pool has passed $4.44 trillion.
The Super Guarantee reached its final step of 12% on 1 July 2025, and compounding does the rest. Whether that pool works as hard for you comes down to a handful of levers — so it is worth modelling your own balance at retirement, what salary sacrifice saves against your $32,500 concessional cap, whether a government co-contribution is within reach, and — once you stop working — your minimum pension drawdown.
Where the $4.4 trillion sits
Most retirement savings are pooled in large APRA-regulated funds, but self-managed funds now hold nearly a quarter of the national total — spread across 672,805 SMSFs.
All Superannuation calculators
11 calculatorsSalary Sacrifice Calculator
Calculate the tax saving from pre-tax super contributions.
Extra Super Contributions Calculator
See the tax saving and retirement balance boost from extra contributions.
Super Balance Projector
Project your super balance at retirement with compounding growth.
Government Co-Contribution Calculator
Calculate the government's 50c/$1 co-contribution for low-income earners.
Concessional Cap Calculator
Check how much of your $32,500 concessional cap is remaining.
Non-Concessional Cap Calculator
Check eligibility and limits for after-tax super contributions.
Division 293 Tax Calculator
Calculate the extra 15% super tax for high-income earners.
Pension Drawdown Calculator
Calculate your minimum annual drawdown by age.
Transition to Retirement Calculator
Model the TTR strategy to boost super while reducing tax.
Super vs Mortgage Offset Calculator
Compare extra super contributions against paying down your mortgage.
Spouse Contribution Calculator
Calculate the 18% tax offset for contributions to a low-income spouse's super.
Australian Superannuation Calculators — FY 2026–27
Superannuation is Australia's compulsory retirement savings system. For FY 2026–27, employers must contribute 12% of ordinary time earnings — the legislated cap, which the Super Guarantee reached on 1 July 2025 and is not scheduled to rise further. While the SG rate forms the baseline, Australians who take an active interest in their super — through salary sacrifice, co-contributions, or smart contribution timing — can retire with significantly more.
Growing Your Super Faster
The most powerful tool for most employed Australians is salary sacrifice. The Salary Sacrifice Calculator shows how diverting pre-tax income into super is taxed at only 15% (or 30% for high earners) rather than your marginal income tax rate — often a saving of 20% or more. The concessional (pre-tax) contributions cap is $32,500 per year (2026–27) including employer SG. The Concessional Cap Calculator shows exactly how much room you have left.
For low-income earners making personal after-tax contributions, the government's co-contribution scheme pays up to $500 directly into your super fund. The Government Co-Contribution Calculator calculates your entitlement based on income and the amount contributed.
High Income Super Planning
Australians earning above $250,000 are subject to Division 293 tax — an additional 15% on concessional contributions, making the effective rate 30%. The Division 293 Tax Calculator quantifies this liability. High earners also need to monitor the non-concessional (after-tax) cap of $130,000 per year, or $390,000 over three years using the bring-forward rule.
Retirement Planning
The Super Balance Projector models compounding growth to your target retirement age, helping you understand whether you're on track. Once in pension phase, the Pension Drawdown Calculator shows your minimum annual payment based on ATO age-based percentages. If you're approaching retirement age, the Transition to Retirement Calculator models the TTR strategy, which can allow you to boost contributions while maintaining take-home pay.