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Super is most Australians' second-biggest asset after the family home, and small decisions about fees and contributions compound into hundreds of thousands over a working life. This guide maps the lot, each part with a full breakdown.
The super guarantee reached 12% in 2025 after a staged rise. For most workers that means a bigger nest egg with no action needed, but it pays to understand how it works.
There is no single right number for how much super you should have, but age-based benchmarks help you sanity-check your balance. Here is what ASFA suggests by age, the comfortable-retirement target, and why your trajectory matters more than any one figure.
A superannuation calculator projects your retirement balance from your salary, contributions, fees and years to go. Here is how to read one properly, and the levers that genuinely move the number.