Superannuation Calculator
SGC 12% · 2025-26 · ASFA retirement benchmarks
Project your super balance at retirement with employer contributions, salary sacrifice, and investment returns. See how you track against ASFA's comfortable retirement standard.
About you
37 years to grow
Relationship status
Affects ASFA benchmarks
Income & contributions
Annual salary
Employer SGC
2025-26 mandated rate
Investment assumptions
Investment return rate
Before fees. Historical balanced fund avg ~7-8% p.a.
Industry funds avg 0.5-0.8%. Retail funds 1-1.5%.
Affects future SGC contributions year by year.
Super balance projection
Age 30 → 67 · 37 yrs
Balance milestones
$100k
Age 34
in 4 yrs
$250k
Age 40
in 10 yrs
$500k
Age 47
in 17 yrs
$1M
Age 54
in 24 yrs
Projected balance at age 67
$2,786,219
Over 37 yrs at 7% p.a. return, 0.5% fees
$2,191,219 above ASFA comfortable — on track
2% of total
26% of total
73% of total
Annual contributions (today)
$900 / month
ASFA retirement benchmarks
Overseas travel, private health, quality lifestyle
Basic lifestyle, mostly Age Pension top-up
Source: ASFA Retirement Standard, March 2025 quarter. Assumes homeowner, age 65+.
See salary sacrifice tax savings
Our pay calculator shows exactly how salary sacrificing into super reduces your income tax.
Open Pay CalculatorContribution Caps (2025-26)
Pre-tax (concessional)
$10,800
of $30,000 cap
SGC $10,800 + sacrifice $0
$19,200 headroom remaining
After-tax (non-concessional)
$0
of $120,000 annual cap
Enter after-tax contributions above to check this cap
Transfer balance cap
$1.9M
pension phase limit
Maximum super balance you can transfer into tax-free pension phase.
Amounts above $1,900,000 remain in accumulation (taxed at 15%).
Your projection exceeds this cap
Government Co-contribution
Not eligibleIncome too high
Co-contribution phases out above $43,445 and is unavailable above $58,445
How superannuation works in Australia
Your employer is required to contribute 12% of your ordinary time earnings into your super fund (2025-26 SGC rate). These contributions are taxed at just 15% inside the fund — significantly lower than most people's marginal tax rate. Over decades, compounding investment returns transform these contributions into your retirement nest egg.
Why salary sacrifice is powerful
Salary sacrifice lets you contribute extra to super from your pre-tax income. If your marginal rate is 32.5% or higher, you save the difference between your rate and the 15% super tax on every dollar sacrificed. On a $90,000 salary, sacrificing $5,000 saves around $875 in tax per year — and the full $5,000 grows in your fund.