Superannuation Calculator
Project your super balance at retirement using employer Superannuation Guarantee contributions (12% from 1 July 2025), voluntary contributions, and compound investment returns. 2025–26 rates.
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Projected balance
How does the Superannuation Guarantee work?
Your employer is legally required to contribute a percentage of your ordinary time earnings into your nominated super fund. The rate increased to 12% from 1 July 2025. This is separate from your salary and is paid on top.
Concessional contribution cap
In 2025–26, the concessional (pre-tax) contributions cap is $30,000 per year. This includes employer SG contributions and any salary-sacrifice or personal deductible contributions. Contributions above the cap are taxed at your marginal rate.
When can you access your super?
You can access your super when you reach your preservation age (60 for most Australians born after 30 June 1964) and retire, or turn 65 regardless of employment status.