Superannuation Balance Projection
Projects your super balance at retirement from today’s balance, contributions, returns and fees.
Your result
Estimate only. Results update as you type.
How this calculator works
Each year: balance × (1 + return − fees) + employer contributions after 15% tax. The result is also shown in today’s dollars.
Worth knowing
A 1% difference in fees over 30 years can cost tens of thousands of dollars. Compare funds on the ATO YourSuper tool.
Guides for this calculator
- Superannuation Balance Projection Explained for Australians
- Superannuation Balance Mistakes Australians Make and How to Avoid Them
Questions
- Are the projections guaranteed?
- No. Investment returns vary from year to year. Treat projections as a guide for planning, not a forecast.
- What is the super guarantee rate?
- It is 12% of ordinary time earnings from 1 July 2025.
- Should I get advice?
- For decisions like salary sacrifice, contribution strategies or retirement income, a licensed financial adviser can look at your full situation. This site provides general information only.
This calculator gives general estimates using published Australian rates and formulas. It doesn’t consider your personal circumstances. Check current figures with the ATO, your state government or a qualified professional before making decisions. See our disclaimer.