Super Balance Projector
Estimate your superannuation balance at retirement based on your current balance, salary, and investment returns.
| Years to Retirement | 0 |
| Total Employer SG | $0 |
| Total Extra Contributions | $0 |
| Total Investment Growth | $0 |
Employer SG (a concessional contribution) is credited to the projection net of the 15% contributions tax. Extra contributions are treated as after-tax (non-concessional) and credited in full. Total Employer SG shows the gross amount your employer pays.
How Super Balance Projections Work
This calculator projects your superannuation balance by simulating year-by-year growth. Each year, your balance earns investment returns, and your employer's Super Guarantee (SG) contributions are added. Any extra contributions you make are also included.
The Power of Compounding
The key driver of super growth is compounding — earning returns on your returns. A $80,000 balance at age 35 growing at 7% per year becomes approximately $310,000 by age 55 and $697,000 by age 67, before any new contributions. Adding employer SG contributions substantially boosts this further.
Super Guarantee Rate
This calculator uses the current SG rate of 12% (FY 2025–26 and FY 2026–27). The SG rate reached its legislated cap of 12% on 1 July 2025 and is not scheduled to rise further. Your actual employer contributions may be slightly higher if your employer pays above the minimum.
Investment Returns
The default return of 7% is consistent with ASIC MoneySmart guidance for a balanced super fund over the long term (before fees). If you're in a growth or high-growth fund, you might use 8–9%. For conservative funds, 4–5% may be more appropriate. Returns are not guaranteed and past performance is not indicative of future results.
Fees and Tax
Employer SG contributions are concessional (pre-tax), so the projection deducts the 15% contributions tax before crediting them to your balance — a $12,000 SG year lands in the fund as $10,200. Extra contributions are treated as after-tax (non-concessional) money, which is not taxed again on the way in. The calculator does not deduct super fund fees or earnings tax (typically up to 15% on fund earnings in accumulation phase). A rough adjustment is to reduce the return rate by 1–2% to account for these costs, though this varies between funds.