Australian Superannuation Growth Calculator

Australian Superannuation Growth Calculator projects your super balance to retirement, modelling the details that make super different from a generic compound-interest projection. Employer Super Guarantee contributions are calculated as a percentage of salary that grows with your pay, and the 15% contributions tax that concessional contributions attract on the way into the fund is applied — so the amount actually invested is lower than the amount contributed, which a plain compounding tool would miss. Voluntary concessional contributions are handled the same way. Enter your current balance, salary, SG rate, voluntary contributions, expected return and salary growth, and the tool projects year by year to your chosen retirement age, splitting the final balance into employer contributions, voluntary contributions and investment growth. It also flags when your first-year concessional total exceeds the annual cap.

Key Features

• 15% Contributions Tax Applied

  Reduces concessional contributions before they compound, matching how super funds actually treat them. Omitting it overstates the projection by a meaningful margin.

• Super Guarantee at 12%

  The SG rate finished its legislated step-up at 12%, and it is editable so you can model higher employer contributions.

• Salary Growth Compounding

  Employer contributions rise with salary each year, so the projection reflects a career rather than a static wage.

• Concessional Cap Warning

  Flags when SG plus voluntary contributions exceed the annual concessional cap, since excess contributions are taxed unfavourably.

• Three-Way Final Split

  Separates employer contributions, voluntary contributions and investment growth in the final balance.

• Preservation Age Default

  Retirement age defaults to the preservation age of 60, the earliest most people can access super.

1. 1

   Enter your ages

   Current age and intended retirement age. Preservation age is 60 for anyone born after mid-1964.

2. 2

   Enter balance and salary

   Current super balance from your fund statement, and current gross salary.

3. 3

   Set the SG rate

   Defaults to the legislated 12%. Raise it if your employer contributes above the minimum.

4. 4

   Add voluntary contributions

   Annual salary-sacrifice or personal deductible contributions, which are also subject to the 15% contributions tax.

5. 5

   Set return and salary growth

   A balanced fund long-run return and a realistic pay growth rate, then read the projected balance.

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