Projected Super Balance
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Monthly Contribution
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Total Contributions
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Investment Earnings
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Superannuation Calculator — Annual Salary A$1,60,000
With annual salary of A$1,60,000, the projected super balance is A$18,81,534.
Your gross annual salary before tax
11.5% from 1 July 2025 (SGC)
Monthly Contribution
AUD767
Total Contributions
AUD2,76,000
Investment Earnings
AUD6,64,767
Projected Super Balance
AUD9,40,767
Projections assume contributions grow at constant rate. Fees, taxes on earnings (15%), and insurance premiums are not deducted. Super guarantee rate is 11.5% from 1 July 2025.
What is the Superannuation Calculator?
Superannuation is Australia's compulsory retirement savings system. From 1 July 2025, employers must contribute 11.5% of your ordinary time earnings (OTE) into your chosen super fund — rising to 12% on 1 July 2026. Over a 30-year career, compound growth turns these contributions into a substantial nest egg. This calculator uses the standard SIP future-value formula to project your balance.
Formula
Monthly contribution = Salary × SGC Rate ÷ 12. Balance = Monthly contrib × ((1+r)^n − 1) ÷ r × (1+r), where r = annual return ÷ 12 and n = years × 12.- FV
- = Final super balance at retirement
- C
- = Monthly employer super contribution
- r
- = Monthly return rate (annual rate ÷ 12)
- n
- = Total months (years to retirement × 12)
How to use the Superannuation Calculator
- 1
Step 1
Enter your gross annual salary in the Salary field.
- 2
Step 2
Check the Super Guarantee Rate — 11.5% is the 2025-26 default.
- 3
Step 3
Set your expected annual investment return (balanced funds historically average 6-8%).
- 4
Step 4
Enter the number of years until you plan to retire.
- 5
Step 5
The projected super balance will update instantly.
Reviewed by
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Frequently asked questions
What is the super rate in Australia in 2025?
The Super Guarantee (SGC) rate is 11.5% from 1 July 2025, rising to 12% on 1 July 2026. Employers must pay this on ordinary time earnings into your super fund.
How much super should I have at 40?
ASFA estimates a comfortable retirement requires around $595,000 (single) or $690,000 (couple). A rough benchmark is having approximately 2× your annual salary in super by age 40.
Can I make extra contributions to super?
Yes. Concessional (pre-tax) contributions are capped at $30,000/year in 2025-26. Non-concessional (after-tax) contributions are capped at $120,000/year. The bring-forward rule allows up to $360,000 in three years.
When can I access my super?
You can access super from your preservation age (currently 60 for those born after 30 June 1964) when you retire, or at age 65 regardless of employment status.
Is this calculator accurate for salary sacrifice?
This calculator models employer SGC contributions only. For salary sacrifice, add your extra contribution to the super rate percentage to model total contributions.
Sources
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Calculated with CalcCrack