Superannuation Calculator
See how much super you could retire with, in today's dollars, and how fees and extra contributions change it.
Your super balance by age
Printed from ClearCalc (clearcalc.com.au/super-calculator/). Estimates only, not financial advice.
How your super grows
Your employer must pay 12% of your ordinary earnings into super. Since 1 July 2026, under Payday Super, it has to be paid at the same time as your wages. Your fund takes 15% contributions tax, invests the rest, and earnings are taxed at up to 15% while you're working. Over 30 or 40 years, investment earnings usually make up most of your final balance.
Why "today's dollars" matters
A million dollars in 37 years won't buy what a million buys now. The calculator divides the future balance by inflation to show what it's worth in today's money, which makes it easier to compare with what you spend now. The income figure uses a simple 5% drawdown, which is the minimum pension rate for people aged 65 to 74.
2026–27 super limits
| Super guarantee rate | 12% |
| Concessional (before-tax) cap | $32,500 |
| Non-concessional (after-tax) cap | $130,000 |
| Maximum super contribution base | $270,830 a year |
| Division 293 threshold | $250,000 |
Small changes, big difference
- Fees: cutting fees from 1.2% to 0.6% a year can add tens of thousands of dollars by retirement.
- Salary sacrifice: an extra $100 a week before tax is taxed at 15% instead of your marginal rate. See the salary sacrifice calculator.
- One fund: combining duplicate accounts stops you paying two sets of fees and insurance.
Frequently asked questions
How much super should I have at my age?
It depends on your income and retirement goals. As a rough guide, many people aim to be on track for at least $500,000 to $600,000 in today's dollars by 67 if they own their home. Use the calculator with your own numbers to see where you're heading.
What return should I use?
Balanced and growth options have historically returned around 6% to 8% a year after investment tax over the long term, but returns vary a lot from year to year and past returns don't guarantee future ones. Try a few rates to see the range.
Does this include the Age Pension?
No. Many retirees get a part Age Pension as well as their super, depending on the income and assets tests.
Last reviewed October 2026. This calculator gives an estimate for general information only. Check important figures with the relevant government agency or a licensed professional.