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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
67 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 0 → 67 · 67 yrs
Balance milestones
$100k
Not reached
$250k
Not reached
$500k
Not reached
$1M
Not reached
Projected balance at age 67
$0
Over 67 yrs at 7% p.a. return, 0.5% fees
$595,000 below ASFA comfortable
0% of total
0% of total
0% of total
Annual contributions (today)
$0 / 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 CalculatorPre-tax (concessional)
$0
of $30,000 cap
SGC $0 + sacrifice $0
$30,000 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%).
You could receive up to
$500
government co-contribution
Add after-tax contributions above to unlock this benefit
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.
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.