Superannuation Calculator Australia for Contributions and Retirement Growth

It estimates employer super guarantee contributions, voluntary before-tax and after-tax contributions, contribution tax, fees, investment growth and a projected accumulation balance at retirement.

The default rate is 12%, which applies nationally from 1 July 2025 and remains the general rate for 2026–27. You can change it for a different contractual or scenario rate.

Enter ordinary-time earnings before super when the salary excludes super. Choose the package option when the quoted amount already includes employer super.

The calculator separates an inclusive package into cash salary and employer super. When the maximum contribution base applies, it solves the capped employer contribution separately.

The calculator uses $270,830 as the 2026–27 annual maximum contribution base when that option is enabled. Earnings above it are not included in the general statutory SG estimate.

No. Eligibility and the definition of qualifying earnings can depend on employment facts. The tool assumes the entered earnings are eligible ordinary-time or qualifying earnings.

The calculator treats salary sacrifice as additional to employer SG. Official guidance states that salary-sacrificed super does not reduce the earnings base used for an employee's SG calculation.

It is generally a before-tax super contribution, including employer SG, salary sacrifice and deductible personal contributions. The calculator groups employer and entered before-tax amounts together.

The 2026–27 general concessional cap in the calculator is $32,500. Carry-forward unused cap amounts, defined-benefit notional contributions and individual exceptions are not modelled.

The 2026–27 general annual non-concessional cap in the calculator is $130,000. Bring-forward arrangements and total-super-balance restrictions are not modelled.

The default assumption deducts 15% from employer and before-tax contributions before they are added to the projected balance. You can change this percentage for scenario testing.

No. It warns that additional tax may apply when income and concessional contributions exceed the relevant threshold, but it does not calculate a personal Division 293 assessment.

Enter an annual return assumption net of investment fees and earnings tax. The default 6.1% is a balanced-option illustration drawn from current Moneysmart assumptions, not a forecast.

Yes. The calculator accepts a negative annual return assumption within its validation range. Real returns vary and can be negative in individual years.

It shows both the projected nominal balance and an estimate in today's dollars by discounting the final balance using the entered annual inflation rate.

Fixed administration fees and insurance are deducted monthly. A percentage-based administration fee is applied to the projected balance each month.

Enter an investment return already net of investment fees and earnings tax. The separate percentage fee field is intended for administration or other balance-based fees.

It deducts the entered percentage from each employer, before-tax and after-tax contribution before the remaining amount is invested.

The projection uses monthly contribution steps. It converts the annual employer and voluntary amounts into monthly contributions for consistent modelling.

Payday Super changes payment timing from 1 July 2026. This tool models annual and monthly contribution amounts, not employer payment deadlines or compliance timing.

Yes. The entered annual salary-growth rate is compounded monthly, which also changes projected employer contributions subject to the selected maximum contribution base.

Yes. The result always shows the current annual employer SG and the amount per selected pay period, even when you use minimal projection assumptions.

It projects the same salary, return and fee assumptions after removing the entered voluntary contributions, helping show the estimated effect of adding extra super.

It reruns the selected plan without fixed, percentage, insurance or contribution fees to illustrate their estimated long-term effect.

When a target is entered, the tool estimates the additional constant annual before-tax contribution needed on top of the entered contribution. It respects the selected cap setting.

The target may be above the result achievable under the selected contribution cap, retirement date, return assumption and salary path.

No. Government co-contributions, the low-income super tax offset, spouse offsets and other eligibility-based payments are excluded.

No. It projects an accumulation super balance only. It does not model Age Pension eligibility, assets tests, income tests or retirement drawdowns.

No. The projection is designed for accumulation-style super accounts. Defined-benefit formulas require fund-specific rules.

Yes. You can download a text report and a CSV year-by-year projection. Download filenames begin with correctioncopy.com_.

No page-specific request sends the entered values to a server. Calculations and report creation run in the browser.

No. It is an educational projection based on the assumptions you enter. Super rules, returns, tax, fees and personal circumstances can change, so verify decisions with official information and qualified advice.