Estimated Balance at Retirement
$0
Annual Employer Super (12%)
Quarterly Contribution
Years Until Retirement
Total Employer Contributions
Estimated Investment Growth
Assumptions: 12% super guarantee rate, 7% average annual return (before fees), 1.5% fees, 15% tax on contributions and earnings. Salary assumed constant in today's dollars. This is a simplified projection — your actual balance will vary.
Frequently Asked Questions
What is the super guarantee rate in 2025-26?
The super guarantee (SG) rate is 12% from 1 July 2025. This means your employer must contribute 12% of your ordinary time earnings into your super fund. The rate increased from 11.5% on 1 July 2025 as part of legislated increases that reached the 12% target.
Is super paid on top of my salary?
It depends on your employment agreement. Some contracts specify a salary "plus super," meaning super is paid on top. Others specify a "total package" that includes super. Check your employment contract. If your contract says $85,000 plus super, your employer pays you $85,000 AND an additional $10,200 in super. If it says $85,000 total package, $75,893 is your base salary and $9,107 goes to super.
When can I access my super?
Generally, you can access your super when you reach your preservation age (60 for most people born after 1 July 1964) and retire, or when you turn 65 regardless of whether you've retired. Early access is only available in limited circumstances such as severe financial hardship, compassionate grounds, or terminal illness.
Should I make extra super contributions?
Extra contributions can significantly boost your retirement balance due to compound growth and the favourable 15% tax rate on super (compared to your marginal tax rate). However, there are annual caps: $30,000 for concessional (before-tax) contributions including employer contributions. Contributions above this cap are taxed at your marginal rate. Consider your personal circumstances and speak with a financial advisor.
This calculator provides estimates only and is not financial advice. Projections are based on simplified assumptions and your actual super balance will depend on investment returns, fees, tax, and contribution patterns. Consult a financial advisor for personalised advice.
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