Superannuation and Retirement Calculators
Project your super balance, check contribution caps and plan how long your retirement savings will last.
- Super Guarantee Calculator
Calculates the employer super guarantee on your ordinary time earnings.
- Superannuation Balance Projection
Projects your super balance at retirement from today’s balance, contributions, returns and fees.
- Retirement Savings Goal Calculator
Estimates the lump sum you need at retirement to fund your spending.
- Super Contributions Tax Calculator
Shows the tax your fund deducts from concessional (before-tax) contributions.
- Concessional Contributions Cap Calculator
Checks whether your before-tax super contributions fit under the annual cap.
- Super Co-contribution Calculator
Estimates the government co-contribution for after-tax super contributions.
- Spouse Super Contribution Tax Offset Calculator
Calculates the tax offset for contributing to a low-income spouse’s super.
- Retirement Countdown Calculator
Counts down the years, months and pay cycles to your planned retirement.
- Retirement Drawdown Calculator
Estimates how long retirement savings last with a fixed yearly withdrawal.
- FIRE Number Calculator
Works out how much you need invested to retire early on your current spending.
- Super Fees Comparison Calculator
Compares how two super funds’ fees change your balance over time.
- Pension Minimum Drawdown Calculator
Calculates the minimum yearly payment from an account-based pension.
About these calculators
Superannuation is Australia’s compulsory retirement savings system. Employers pay the super guarantee into your fund, contributions are taxed concessionally, and the money is generally preserved until you reach preservation age and retire. Small changes to contributions, fees or investment returns compound over decades.
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.
Guides
- Using a Super Guarantee Calculator in Australia: A Step-by-Step Guide
Calculates the employer super guarantee on your ordinary time earnings. Includes the formula, a worked example with Australian figures and tips.
- Common Super Guarantee Mistakes (and a Better Way)
Common mistakes when working out super guarantee in Australia, and how to get a result you can rely on.
- Superannuation Balance Projection Explained for Australians
Projects your super balance at retirement from today’s balance, contributions, returns and fees. Includes the formula, a worked example with Australian figures and tips.
- Superannuation Balance Mistakes Australians Make and How to Avoid Them
Common mistakes when working out superannuation balance in Australia, and how to get a result you can rely on.
- How the Retirement Savings Goal Calculator Works (With a Worked Example)
Estimates the lump sum you need at retirement to fund your spending. Includes the formula, a worked example with Australian figures and tips.
- Getting the Most From a Retirement Savings Goal Calculator: Tips and Common Errors
Common mistakes when working out retirement savings goal in Australia, and how to get a result you can rely on.
- Super Contributions Tax Calculator: Formula, Example and What the Result Means
Shows the tax your fund deducts from concessional (before-tax) contributions. Includes the formula, a worked example with Australian figures and tips.
- Super Contributions Tax: What to Check Before You Trust the Number
Common mistakes when working out super contributions tax in Australia, and how to get a result you can rely on.
- Using a Concessional Contributions Cap Calculator in Australia: A Step-by-Step Guide
Checks whether your before-tax super contributions fit under the annual cap. Includes the formula, a worked example with Australian figures and tips.
- Common Concessional Contributions Cap Mistakes (and a Better Way)
Common mistakes when working out concessional contributions cap in Australia, and how to get a result you can rely on.
- Super Co-contribution Calculator Explained for Australians
Estimates the government co-contribution for after-tax super contributions. Includes the formula, a worked example with Australian figures and tips.
- Super Co-contribution Mistakes Australians Make and How to Avoid Them
Common mistakes when working out super co-contribution in Australia, and how to get a result you can rely on.
- How the Spouse Super Contribution Tax Offset Calculator Works (With a Worked Example)
Calculates the tax offset for contributing to a low-income spouse’s super. Includes the formula, a worked example with Australian figures and tips.
- Getting the Most From a Spouse Super Contribution Tax Offset Calculator: Tips and Common Errors
Common mistakes when working out spouse super contribution tax offset in Australia, and how to get a result you can rely on.
- Retirement Countdown Calculator: Formula, Example and What the Result Means
Counts down the years, months and pay cycles to your planned retirement. Includes the formula, a worked example with Australian figures and tips.
- Retirement Countdown: What to Check Before You Trust the Number
Common mistakes when working out retirement countdown in Australia, and how to get a result you can rely on.
- Using a Retirement Drawdown Calculator in Australia: A Step-by-Step Guide
Estimates how long retirement savings last with a fixed yearly withdrawal. Includes the formula, a worked example with Australian figures and tips.
- Common Retirement Drawdown Mistakes (and a Better Way)
Common mistakes when working out retirement drawdown in Australia, and how to get a result you can rely on.
- FIRE Number Calculator Explained for Australians
Works out how much you need invested to retire early on your current spending. Includes the formula, a worked example with Australian figures and tips.
- FIRE Number Mistakes Australians Make and How to Avoid Them
Common mistakes when working out FIRE number in Australia, and how to get a result you can rely on.
- How the Super Fees Comparison Calculator Works (With a Worked Example)
Compares how two super funds’ fees change your balance over time. Includes the formula, a worked example with Australian figures and tips.
- Getting the Most From a Super Fees Comparison Calculator: Tips and Common Errors
Common mistakes when working out super fees comparison in Australia, and how to get a result you can rely on.
- Pension Minimum Drawdown Calculator: Formula, Example and What the Result Means
Calculates the minimum yearly payment from an account-based pension. Includes the formula, a worked example with Australian figures and tips.
- Pension Minimum Drawdown: What to Check Before You Trust the Number
Common mistakes when working out pension minimum drawdown in Australia, and how to get a result you can rely on.