Superannuation Calculator Australia 2026–27
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 your super grows
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, paid on top of your salary. This money is invested and compounds over decades — the earlier you start saving, the more powerful the compounding effect.
Contribution limits (2026–27)
The concessional (pre-tax) contributions cap is $32,500 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 rather than the concessional 15%. Non-concessional (after-tax) contributions are capped at $120,000/year.
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. The Age Pension eligibility age is 67.