Disclaimer: This calculator provides estimates only and should not be considered financial or superannuation advice. Projected balances are based on assumed constant returns and contributions and will differ from actual outcomes. Superannuation rules including contribution caps, tax rates and preservation rules are set by the ATO and may change. Always consult a licensed financial adviser for personal superannuation advice. Evercend Pty Limited does not hold an Australian Financial Services Licence.
Superannuation balance projector inputs and results
Super details
Contributions
Used to calculate employer SG contributions.
Superannuation Guarantee rate from 1 July 2024.
Salary sacrifice or personal deductible contributions per annum.
Assumptions
Check your super fund's product disclosure statement.
Enter your super details to begin
Add your current balance and age to project your superannuation balance at retirement, including the impact of fees and contributions tax.
Projecting your superannuation balance at retirement
The Super Projector estimates what your superannuation balance could grow to by the time you retire, based on your current balance, your salary, your contributions, the years left until retirement, and an assumed investment return after fees and tax. It is a projection tool for planning, not a forecast of your actual balance.
How to use this calculator
Enter your ages
Enter your current age and the age you plan to retire.
Enter your balance and salary
Enter your current super balance and your annual salary, from which the calculator works out the 12 percent employer super guarantee.
Add extra contributions
Add any extra before-tax or after-tax contributions you make.
Set investment return and fees
Set the expected annual investment return and fees if the calculator allows it.
Read the result
The result is your estimated balance at retirement.
How this calculator works
Each year the projector adds the employer super guarantee, currently 12 percent of ordinary time earnings, plus any extra contributions you enter, then adds investment earnings, then subtracts fees and the 15 percent tax that applies to concessional contributions and to fund earnings in the accumulation phase. It repeats this year by year until your retirement age, so compounding does most of the work over long periods.
Assumptions used
A projection is a model built on assumptions, not a prediction. The investment return, fees and contribution levels are inputs that change the result, and small differences in fees or returns compound into large differences over decades. ASIC's MoneySmart shows super estimates in today's dollars, adjusted for inflation, so the figure reflects buying power rather than a larger future dollar amount. Figures are shown before any personal tax that may apply when super is later withdrawn.
Worked example
A person aged 40 with a $120,000 balance earning $90,000 a year receives employer super guarantee of 12 percent, which is $10,800 for the year before the 15 percent contributions tax is applied inside the fund.
That net contribution is added to the balance along with investment earnings for the year, less fees and the 15 percent tax on earnings, and the process repeats each year to retirement.
The actual figures are produced by the calculator from the inputs entered.
What changes your projected super balance
Several things change your projected superannuation balance at retirement. The main ones are:
Contribution level
The 12 percent super guarantee plus any extra concessional or non-concessional contributions up to the caps.
Investment return
The assumed rate drives compounding and is the single largest lever over long horizons.
Fees
Fees are deducted from the balance and reduce the final figure.
Time to retirement
More years means more compounding.
Concessional cap
The concessional cap of $32,500 for 2026-27 limits before-tax contributions taxed at 15 percent.
Tax inside the fund
15 percent on concessional contributions and on accumulation-phase earnings.
Preservation age
Preservation age sets when the balance can be accessed.
Rates and assumptions used
| Item | Value used | Source |
|---|---|---|
| Super guarantee rate 2026-27 | 12% of ordinary time earnings | ATO, How much super to pay |
| Maximum super contribution base 2026-27 | $270,830 per year | ATO, Maximum contributions base |
| Concessional contributions cap 2026-27 | $32,500 | ATO, Understanding concessional and non-concessional contributions |
| Tax on concessional contributions | 15% inside the fund | ATO, Understanding concessional and non-concessional contributions |
| Tax on fund earnings (accumulation phase) | Up to 15% | ATO, How SMSFs are taxed |
| Preservation age | 60 for anyone born after 1 July 1964 | ATO, When you can withdraw your super |
| Access at age 65 | Available regardless of work status | ATO, Conditions of release |
| Default inflation for super estimates | Wage inflation and CPI, today's dollars, under ASIC Instrument 2022/603 | ASIC MoneySmart, Superannuation calculator |
Figures checked against the sources above on 10 August 2026.
Frequently asked questions
For 2026-27 employers pay 12 percent of ordinary time earnings into super. This has been the rate since 1 July 2025 and is the final legislated step, with no further increase scheduled.
Related calculators and guides
Sources
- •ATO, How much super to pay
- •ATO, Maximum contributions base
- •ATO, Understanding concessional and non-concessional contributions
- •ATO, How SMSFs are taxed
- •ATO, When you can withdraw your super
- •ATO, Conditions of release
- •ASIC MoneySmart, Superannuation calculator
- •ASIC, Superannuation forecasts relief instrument (Instrument 2022/603)
Content reviewed and figures checked against the sources above on 10 August 2026.