Superannuation Calculator Australia 2026 — Retirement Balance Projector

2025–26 • SG Rate 11.5%

Superannuation Balance Calculator

Project your super balance at retirement based on your current savings, salary and contributions.

🏦 Superannuation Calculator
Estimated Super Balance at Retirement
Your Contributions
Employer Contributions
Investment Growth
Your ContributionsEmployerGrowth
📈 Balance Projection

Key Super Facts for 2025–26

11.5%
Super Guarantee Rate
$30,000
Concessional Cap (2025–26)
Age 67
Standard Retirement Age
12%
SG Rate from July 2025
Disclaimer: This calculator provides estimates only and does not account for investment taxes, insurance premiums, super fund fees, or government co-contributions. Results are indicative and should not be relied on as financial advice. Consider speaking with a licensed financial adviser about your retirement planning.
🏦 Superannuation Calculator
Estimated Super Balance at Retirement
Your Contributions
Employer Contributions
Investment Growth
Your ContributionsEmployerGrowth
📈 Balance Projection

Superannuation in Australia — Key Facts for 2025–26

The Superannuation Guarantee (SG) rate is 11.5% for 2025–26, rising to 12% from 1 July 2025. Your employer must pay super on your ordinary time earnings. The concessional contributions cap is $30,000 per year — this includes employer contributions and any salary sacrifice.

11.5%
SG Rate 2025–26
$30,000
Concessional Cap
15%
Tax on Contributions

Frequently Asked Questions

How much super should I have at my age in Australia?

ASFA benchmarks suggest: age 30 → ~$50k, age 40 → ~$150k, age 50 → ~$320k, age 60 → ~$500k. These are guides only — your target depends on your desired retirement lifestyle.

How much super do I need to retire comfortably in Australia?

ASFA's "comfortable" retirement standard for a single person requires approximately $595,000 in super (2025). This provides an income of around $50,004/year. For a couple, the figure is $690,000 for $70,482/year.

Should I make extra voluntary super contributions?

Extra super contributions are taxed at just 15% — much lower than most marginal income tax rates. If you earn over $45,000 and can afford to contribute extra, salary sacrifice is one of the most tax-effective strategies available to Australians.

Super projections assume consistent contributions and investment returns. Actual returns will vary. Not financial advice — consult a licensed financial adviser.