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Super Calculator: How Much Will I Retire With?
Free superannuation calculator: project your super balance to retirement with the 12% Super Guarantee, salary sacrifice, returns, fees and the $32,500 concessional cap, in future and today's dollars.
You and your super
Estimated super at 67
$2,088,706
| In today's dollars (2.5% inflation) | $880,120 |
| At 35 | $102,935 |
| At 40 | $200,986 |
| At 45 | $343,307 |
| At 50 | $547,004 |
| At 55 | $835,435 |
| At 60 | $1,240,442 |
| At 65 | $1,805,383 |
| At 67 | $2,088,706 |
How it works
Your employer pays 12% of your ordinary earnings into super. Before-tax contributions are taxed 15% in the fund. The projection grows your balance by your return minus fees each year. Returns go up and down in real life, so treat this as a guide.
Estimate only, not financial advice. Rules last checked October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: ATO: how much super to pay · Moneysmart: retirement planner
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
How much super will I have when I retire?+
It depends on your balance now, your salary, contributions, returns and fees. Enter yours above for an estimate in today's dollars.
What is the Super Guarantee rate?+
12% of your ordinary time earnings since 1 July 2025.
What is the concessional contributions cap for 2026-27?+
$32,500 a year from 1 July 2026, covering employer contributions and salary sacrifice together.