Superannuation Calculator Australia
Project your retirement savings with our free Australian super calculator. Calculate employer contributions, salary sacrifice benefits, and estimate your superannuation balance at retirement.
Personal Details
Contributions
Minimum: 12% (2024-25)
Pre-tax contributions, taxed at 15% in super
After-tax (non-concessional) contributions
Investment Assumptions
Historical average: 7-8% p.a. (balanced option)
Understanding Australian Superannuation
Superannuation (super) is Australia's retirement savings system. Employers are required to contribute a percentage of your earnings into a super fund, which invests the money until you retire. Understanding how super works can help you maximize your retirement savings.
Employer Contributions (SGC)
The Superannuation Guarantee (SG) is the minimum percentage employers must pay into your super. For FY 2025-26, this is 12% of your ordinary time earnings (the final step of the legislated increase, in effect since 1 July 2025).
- - Minimum earnings: $450/month threshold removed July 2022 (SG applies from $1 of earnings)
- - Maximum contribution base: $65,070/quarter (FY 2025-26)
- - Paid at least quarterly to your nominated fund (Payday Super reform commences 1 Jul 2026)
Salary Sacrifice Benefits
Salary sacrificing to super can significantly reduce your tax and boost your retirement savings.
- - Taxed at 15% vs your marginal rate
- - Reduces taxable income
- - Compounds over time for greater returns
Superannuation Contribution Caps — FY 2025-26 & FY 2026-27
| Contribution Type | FY 2025-26 | FY 2026-27 (from 1 Jul 2026) | Tax Rate |
|---|---|---|---|
| Concessional (Before-tax) | $30,000 | $32,500 | 15% (+15% Div 293 above $250k income) |
| Non-concessional (After-tax) | $120,000 | $130,000 | 0% on contribution |
| 3-year bring-forward (non-concessional) | $360,000 | $390,000 | 0% on contribution |
| Transfer Balance Cap (pension phase) | $2,000,000 | $2,100,000 | 0% on earnings in pension |
| Carry-forward unused concessional | Unused caps from previous 5 years if balance under $500,000 at 30 June prior year | 15% | |
Government Co-contribution
Low and middle-income earners may be eligible for the government co-contribution of up to $500 per year.
- - Income threshold: Up to $62,488 (FY 2025-26) — full $500 if income ≤ $47,488
- - Make a personal (after-tax) contribution
- - Government matches 50c for every $1 (up to $1,000 contribution)
- - Must lodge a tax return and be under 71