Superannuation calculator
Project your super balance at retirement from where you are now, and see how much extra contributions and lower fees could add over time.
Investment growth: $0
Estimate only, for general information and not financial advice. It applies the 12 per cent super guarantee, a 15 per cent contributions tax, and a fee drag of around 0.7 per cent, and shows future (not inflation-adjusted) dollars. Real returns vary. Confirm with your fund or a licensed adviser. Last checked June 2026.
What moves your super the most
Three things decide most of the outcome: time, fees, and extra contributions, not chasing last year's top-performing fund. Small differences in fees compound to large sums over decades. The detail is in how much super you should have and our complete superannuation guide.
Boosting the number
The lever you control most is extra contributions. Salary sacrificing into super is tax-effective for many earners, since those contributions are generally taxed at 15 per cent inside the fund instead of your marginal rate.
The bottom line
Use the calculator to test what a little extra each year, or a lower-fee fund, does to your balance at retirement. To fit super into your wider plan, a tool like Your Finance Guide is a sensible start.