Super Calculator Australia — How Much Will You Have at Retirement?
Calculate your projected superannuation balance at retirement based on current balance salary employer contributions and investment returns.
Superannuation is Australia's compulsory retirement savings system where employers contribute a percentage of your salary into a super fund. The Super Guarantee rate is 12% in 2026. Combined with investment returns over a 30-40 year career super can grow to a substantial retirement fund. A 25-year-old on $70000 salary with $30000 existing balance can expect approximately $1.2 million at age 67 assuming 7% returns.
Calculate Now
Key Information
| Parameter | Details |
|---|---|
| Super Guarantee Rate | 12% of salary (2026) |
| Concessional Contribution Cap | $30000 per year |
| Non-Concessional Cap | $120000 per year |
| Preservation Age | 60 (for those born after 1964) |
Project your super balance
Get accurate results instantly — 100% free, no signup required
Use Calculator NowFrequently Asked Questions
How much super should I have at my age?
Rough benchmarks by age: 30 = $50000-$70000. 35 = $100000-$150000. 40 = $180000-$250000. 45 = $280000-$380000. 50 = $400000-$550000. 55 = $550000-$750000. 60 = $700000-$1000000. These assume consistent employment and employer contributions at standard rates. If you are behind consider salary sacrificing extra contributions.
Should I salary sacrifice into super?
Salary sacrifice contributions are taxed at only 15% inside super versus your marginal tax rate of 32.5-45% outside. For someone earning $100000 sacrificing $10000 saves approximately $1750-$3000 in tax annually. The compounding effect of these tax savings over 20-30 years can add hundreds of thousands to your retirement balance. Stay within the $30000 annual concessional contribution cap.
Can I access my super early?
Superannuation is preserved until you reach preservation age (60) and meet a condition of release (usually retirement). Early access is only available for severe financial hardship compassionate grounds permanent disability or terminal illness. The First Home Super Saver Scheme allows withdrawal of voluntary contributions (up to $50000) for a first home purchase.
Related Calculators
Last updated: 24 March 2026