Superannuation

Superannuation Calculator

Project your balance to retirement (with an optional salary sacrifice comparison), compare three funds' return and fees, and check what a government co-contribution or spouse offset would be worth. Nothing you type here leaves your browser — your inputs are saved to this browser only, so they're still here next time you visit.

Your super, salary and horizon

Projects your balance forward one year at a time to retirement age.

Current super balance ($)

$50,000.00

Current age

ASFA's Super Balance Detective guideline at this age: $118,000.00

Retirement age

Super can generally be accessed from age 60 once a condition of release is met — check your own situation.

Annual salary ($)

Estimated tax: $14,788.00/year (excludes Medicare Levy)

Employer SG rate (%)

Example only — last verified 14/07/2026. Assumed SG for the year: $9,600.00.

Contributions tax rate (%)

Example only — last verified 14/07/2026.

Extra contributions

Salary sacrifice trades take-home pay for a pre-tax super contribution — tick the box to compare the two directly, or leave it unticked for a plain extra contribution.

I would like to salary sacrifice Compares an extra pre-tax contribution against taking the same amount as take-home pay.

Extra voluntary contribution ($/year)

$0.00

This contribution is pre-tax (concessional) e.g. a personal deductible contribution. Untick for an after-tax (non-concessional) contribution instead.

Return and fees

Held constant for the whole projection — a straight-line estimate, not a forecast of actual market returns or future fee changes.

Assumed investment return (% p.a., before fees)

Example only — last verified 14/07/2026.

Ongoing fee (% of balance per year)

Example only — last verified 14/07/2026.

Flat admin fee ($/year)

$80.00

Projected balance at retirement

Projected balance at age 67 $1,155,714.03

Total contributions (before contributions tax) $307,200.00

Total contributions tax paid $46,080.00

Total investment return $941,282.26

Total fees paid $96,688.23

Projected balance

ASFA's Super Balance Detective guideline

National average (March 2026)

ASFA's Super Balance Detective guideline line: a commonly-cited "how much super should I have at my age" rule of thumb, accessed May 2026 (last verified 14/07/2026). National average line: APRA Quarterly Superannuation Industry Publication, average member balance by age, March 2026 quarter (last verified 14/07/2026). Both are reference points for comparison, not targets or advice — individual balances vary widely at every age.

Age	Contributions	Return	Fees	Balance
36	$8,160.00	$3,785.60	$458.56	$61,487.04
37	$8,160.00	$4,589.69	$538.97	$73,697.76
38	$8,160.00	$5,444.44	$624.44	$86,677.76
39	$8,160.00	$6,353.04	$715.30	$100,475.50
40	$8,160.00	$7,318.89	$811.89	$115,142.50
41	$8,160.00	$8,345.57	$914.56	$130,733.52
42	$8,160.00	$9,436.95	$1,023.69	$147,306.77
43	$8,160.00	$10,597.07	$1,139.71	$164,924.13
44	$8,160.00	$11,830.29	$1,263.03	$183,651.39
45	$8,160.00	$13,141.20	$1,394.12	$203,558.47
46	$8,160.00	$14,534.69	$1,533.47	$224,719.70
47	$8,160.00	$16,015.98	$1,681.60	$247,214.08
48	$8,160.00	$17,590.59	$1,839.06	$271,125.60
49	$8,160.00	$19,264.39	$2,006.44	$296,543.56
50	$8,160.00	$21,043.65	$2,184.36	$323,562.84
51	$8,160.00	$22,935.00	$2,373.50	$352,284.34
52	$8,160.00	$24,945.50	$2,574.55	$382,815.29
53	$8,160.00	$27,082.67	$2,788.27	$415,269.70
54	$8,160.00	$29,354.48	$3,015.45	$449,768.73
55	$8,160.00	$31,769.41	$3,256.94	$486,441.20
56	$8,160.00	$34,336.48	$3,513.65	$525,424.03
57	$8,160.00	$37,065.28	$3,786.53	$566,862.79
58	$8,160.00	$39,966.00	$4,076.60	$610,912.18
59	$8,160.00	$43,049.45	$4,384.95	$657,736.69
60	$8,160.00	$46,327.17	$4,712.72	$707,511.14
61	$8,160.00	$49,811.38	$5,061.14	$760,421.38
62	$8,160.00	$53,515.10	$5,431.51	$816,664.97
63	$8,160.00	$57,452.15	$5,825.21	$876,451.90
64	$8,160.00	$61,637.23	$6,243.72	$940,005.41
65	$8,160.00	$66,085.98	$6,688.60	$1,007,562.79
66	$8,160.00	$70,815.00	$7,161.50	$1,079,376.29
67	$8,160.00	$75,841.94	$7,664.19	$1,155,714.03

Assumes a constant salary, contribution rate, return rate and fee structure every year — real super balances move with markets, wage changes and fund changes, so this is a straight-line estimate, not a forecast. Division 293 is priced using taxable income + concessional contributions only (it ignores reportable fringe benefits and investment losses, which a full ATO assessment also counts). Estimates only, not financial advice.

Shared assumptions

Same balance, salary and contributions for every fund — only each fund's own return and fees differ below.

Current super balance ($)

$50,000.00

Current age

Retirement age

Annual salary ($)

$80,000.00

Employer SG rate (%)

Example only — last verified 14/07/2026.

Extra voluntary contribution ($/year)

$0.00

Contributions tax rate (%)

Example only — last verified 14/07/2026.

The voluntary contribution is pre-tax (concessional) Untick for an after-tax (non-concessional) contribution instead.

Funds — enter each fund's own return and fees

Return (% p.a.)

Fee (%/year)

Flat fee ($/year)

$80.00

Projected balance at age 67 mid $1,155,714.03

Total fees paid $96,688.23

Age	Contributions	Return	Fees	Balance
36	$8,160.00	$3,785.60	$458.56	$61,487.04
37	$8,160.00	$4,589.69	$538.97	$73,697.76
38	$8,160.00	$5,444.44	$624.44	$86,677.76
39	$8,160.00	$6,353.04	$715.30	$100,475.50
40	$8,160.00	$7,318.89	$811.89	$115,142.50
41	$8,160.00	$8,345.57	$914.56	$130,733.52
42	$8,160.00	$9,436.95	$1,023.69	$147,306.77
43	$8,160.00	$10,597.07	$1,139.71	$164,924.13
44	$8,160.00	$11,830.29	$1,263.03	$183,651.39
45	$8,160.00	$13,141.20	$1,394.12	$203,558.47
46	$8,160.00	$14,534.69	$1,533.47	$224,719.70
47	$8,160.00	$16,015.98	$1,681.60	$247,214.08
48	$8,160.00	$17,590.59	$1,839.06	$271,125.60
49	$8,160.00	$19,264.39	$2,006.44	$296,543.56
50	$8,160.00	$21,043.65	$2,184.36	$323,562.84
51	$8,160.00	$22,935.00	$2,373.50	$352,284.34
52	$8,160.00	$24,945.50	$2,574.55	$382,815.29
53	$8,160.00	$27,082.67	$2,788.27	$415,269.70
54	$8,160.00	$29,354.48	$3,015.45	$449,768.73
55	$8,160.00	$31,769.41	$3,256.94	$486,441.20
56	$8,160.00	$34,336.48	$3,513.65	$525,424.03
57	$8,160.00	$37,065.28	$3,786.53	$566,862.79
58	$8,160.00	$39,966.00	$4,076.60	$610,912.18
59	$8,160.00	$43,049.45	$4,384.95	$657,736.69
60	$8,160.00	$46,327.17	$4,712.72	$707,511.14
61	$8,160.00	$49,811.38	$5,061.14	$760,421.38
62	$8,160.00	$53,515.10	$5,431.51	$816,664.97
63	$8,160.00	$57,452.15	$5,825.21	$876,451.90
64	$8,160.00	$61,637.23	$6,243.72	$940,005.41
65	$8,160.00	$66,085.98	$6,688.60	$1,007,562.79
66	$8,160.00	$70,815.00	$7,161.50	$1,079,376.29
67	$8,160.00	$75,841.94	$7,664.19	$1,155,714.03

Return (% p.a.)

Fee (%/year)

Flat fee ($/year)

$60.00

Projected balance at age 67 lowest balance $1,033,192.68

Total fees paid $151,711.59

Age	Contributions	Return	Fees	Balance
36	$8,160.00	$3,785.60	$708.96	$61,236.64
37	$8,160.00	$4,572.16	$843.80	$73,125.01
38	$8,160.00	$5,404.35	$986.46	$85,702.90
39	$8,160.00	$6,284.80	$1,137.39	$99,010.30
40	$8,160.00	$7,216.32	$1,297.08	$113,089.54
41	$8,160.00	$8,201.87	$1,466.03	$127,985.37
42	$8,160.00	$9,244.58	$1,644.78	$143,745.17
43	$8,160.00	$10,347.76	$1,833.90	$160,419.03
44	$8,160.00	$11,514.93	$2,033.99	$178,059.97
45	$8,160.00	$12,749.80	$2,245.68	$196,724.09
46	$8,160.00	$14,056.29	$2,469.65	$216,470.72
47	$8,160.00	$15,438.55	$2,706.61	$237,362.67
48	$8,160.00	$16,900.99	$2,957.31	$259,466.34
49	$8,160.00	$18,448.24	$3,222.56	$282,852.03
50	$8,160.00	$20,085.24	$3,503.18	$307,594.09
51	$8,160.00	$21,817.19	$3,800.09	$333,771.18
52	$8,160.00	$23,649.58	$4,114.21	$361,466.55
53	$8,160.00	$25,588.26	$4,446.56	$390,768.25
54	$8,160.00	$27,639.38	$4,798.18	$421,769.45
55	$8,160.00	$29,809.46	$5,170.19	$454,568.72
56	$8,160.00	$32,105.41	$5,563.78	$489,270.34
57	$8,160.00	$34,534.52	$5,980.20	$525,984.66
58	$8,160.00	$37,104.53	$6,420.78	$564,828.42
59	$8,160.00	$39,823.59	$6,886.90	$605,925.10
60	$8,160.00	$42,700.36	$7,380.06	$649,405.40
61	$8,160.00	$45,743.98	$7,901.82	$695,407.55
62	$8,160.00	$48,964.13	$8,453.85	$744,077.83
63	$8,160.00	$52,371.05	$9,037.89	$795,570.98
64	$8,160.00	$55,975.57	$9,655.81	$850,050.74
65	$8,160.00	$59,789.15	$10,309.57	$907,690.32
66	$8,160.00	$63,823.92	$11,001.24	$968,673.00
67	$8,160.00	$68,092.71	$11,733.04	$1,033,192.68

Return (% p.a.)

Fee (%/year)

Flat fee ($/year)

$200.00

Projected balance at age 67 highest balance $3,016,907.20

Total fees paid $423,659.57

Age	Contributions	Return	Fees	Balance
36	$8,160.00	$6,489.60	$1,065.28	$63,584.32
37	$8,160.00	$8,119.72	$1,282.63	$78,581.41
38	$8,160.00	$9,919.37	$1,522.58	$95,138.20
39	$8,160.00	$11,906.18	$1,787.49	$113,416.89
40	$8,160.00	$14,099.63	$2,079.95	$133,596.56
41	$8,160.00	$16,521.19	$2,402.83	$155,874.93
42	$8,160.00	$19,194.59	$2,759.28	$180,470.24
43	$8,160.00	$22,146.03	$3,152.80	$207,623.46
44	$8,160.00	$25,404.42	$3,587.26	$237,600.63
45	$8,160.00	$29,001.68	$4,066.89	$270,695.41
46	$8,160.00	$32,973.05	$4,596.41	$307,232.05
47	$8,160.00	$37,357.45	$5,180.99	$347,568.51
48	$8,160.00	$42,197.82	$5,826.38	$392,099.95
49	$8,160.00	$47,541.59	$6,538.88	$441,262.67
50	$8,160.00	$53,441.12	$7,325.48	$495,538.30
51	$8,160.00	$59,954.20	$8,193.89	$555,458.61
52	$8,160.00	$67,144.63	$9,152.62	$621,610.62
53	$8,160.00	$75,082.87	$10,211.05	$694,642.45
54	$8,160.00	$83,846.69	$11,379.56	$775,269.58
55	$8,160.00	$93,521.95	$12,669.59	$864,281.94
56	$8,160.00	$104,203.43	$14,093.79	$962,551.58
57	$8,160.00	$115,995.79	$15,666.11	$1,071,041.26
58	$8,160.00	$129,014.55	$17,401.94	$1,190,813.87
59	$8,160.00	$143,387.26	$19,318.30	$1,323,042.84
60	$8,160.00	$159,254.74	$21,433.97	$1,469,023.61
61	$8,160.00	$176,772.43	$23,769.66	$1,630,186.39
62	$8,160.00	$196,111.97	$26,348.26	$1,808,110.09
63	$8,160.00	$217,462.81	$29,195.04	$2,004,537.86
64	$8,160.00	$241,034.14	$32,337.89	$2,221,394.12
65	$8,160.00	$267,056.89	$35,807.59	$2,460,803.43
66	$8,160.00	$295,786.01	$39,638.13	$2,725,111.30
67	$8,160.00	$327,502.96	$43,867.06	$3,016,907.20

Isolates the effect of return and fees by running identical balance, salary and contribution assumptions through all three funds — real funds may also differ in insurance premiums or investment options, which this comparison doesn't cover. Estimates only, not financial advice.

Superannuation rates, caps and thresholds change most financial years — always check the current ATO figures rather than relying on the pre-filled examples above.