Your Details
Find this in your super fund app or statement. Enter 0 if you're not sure.
Your employer adds 12% on top as super — this calculator includes that automatically.
Voluntary top-ups can make a huge difference over time.
Balanced (7%) is a common long-term average. These are estimates only.
How Does Super Work?
Every time you get paid, your employer must put an extra 12% of your salary into your super fund. This is called the Superannuation Guarantee (SGC) and it's required by law.
That money is invested and grows over time — compound growth means the longer it's in there, the faster it snowballs. Starting early (even with a small balance) makes an enormous difference.
Simple Tips to Boost Your Super
Consolidate multiple super accounts into one to save on fees.
Even adding $50/month extra now can add tens of thousands by retirement.
Check your investment option — younger people generally benefit from growth/shares options.
Make sure your fund has your tax file number (TFN) on file, otherwise you pay extra tax.
2025–26 Super Contribution Cap
Concessional (pre-tax)
$30,000
Non-concessional (after-tax)
$120,000
When Can I Access My Super?
You can access your super once you reach your "preservation age" (60 for most people) AND retire. Some exceptions apply for severe hardship or terminal illness.
Is My Super Taxed?
Super contributions are taxed at a low 15% inside your fund (vs. your marginal rate). Withdrawals after age 60 are generally tax-free — one of the best tax advantages in Australia.
What Happens to My Super When I Die?
Your super does not automatically form part of your estate. Make sure you have a binding death benefit nomination with your super fund — directing money to your dependants.
Want to see your full tax picture?
Use the main Tax Calculator to see income tax, Medicare levy, HELP repayments, and take-home pay.
Important Disclaimer
The information and results provided by these tools are general in nature and for educational purposes only. They do not take into account your personal financial situation, needs, or objectives, and do not constitute financial product advice.
Projections are based on simplified assumptions including constant investment returns, contribution rates, and inflation. Actual outcomes will differ depending on market performance, fund fees, legislative changes, and your individual circumstances.
Superannuation and retirement planning involve complex rules that change regularly. We strongly recommend speaking with a licensed financial adviser or contacting the Australian Taxation Office (ATO) at ato.gov.au or calling 13 10 20 for personalised guidance.
This tool is not affiliated with the Australian Taxation Office, ASIC, or any super fund. ASFA figures referenced are sourced from the ASFA Retirement Standard.