Use our free, independent tool to project your superannuation balance, considering your contributions, investment returns, and the impact of inflation. Start planning your secure retirement future in Australia today, **regardless of your super fund.**
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At Retirement Age (), your projected super balance will be approximately:
Superannuation, or 'super', is a system in Australia where money is saved for your retirement. Your employer generally has to pay a percentage of your earnings (called the Superannuation Guarantee) into a super fund for you. These savings are invested and grow over time.
The Superannuation Guarantee (SG) is the minimum amount your employer must pay into your super fund. It's calculated as a percentage of your ordinary time earnings (OTE), up to a maximum contribution base. The rate is set by the Australian government and increases periodically, reaching 12% by 1 July 2025.
Inflation erodes the purchasing power of money over time. While your nominal super balance might grow significantly, its 'real' value (what it can actually buy) will be less if inflation is high. Our superannuation calculator helps you see both the nominal and inflation-adjusted projected balance, giving you a more realistic view of your future financial power.
Yes, you can make additional contributions to your superannuation on top of what your employer pays. These can be 'concessional' (before-tax) or 'non-concessional' (after-tax) contributions. Making extra contributions can significantly boost your super balance over the long term due to the power of compounding. Always check current contribution caps.
Our superannuation calculator projects your balance by taking your current super, salary, and additional contributions, then applying an estimated annual investment return over your remaining working years. It also factors in the changing Superannuation Guarantee rate and can adjust for inflation to give you a real-value projection. Note: It's an estimate and not financial advice.
No, AusSuperCalc.com.au is an **independent online tool** designed to help all Australians project their superannuation growth, **regardless of which super fund they are with.** We are not affiliated with AustralianSuper or any other specific superannuation fund. This calculator provides general estimates for anyone in the Australian superannuation system.
Disclaimer: This calculator provides estimates for illustrative purposes only. It does not account for taxes on contributions, investment earnings, or withdrawals, nor does it factor in fees, specific super fund rules, or changes in legislation. It is not financial advice. Please consult a qualified financial advisor for personalized advice.