Aussie Pay Calc

Superannuation Calculator

Project your superannuation balance at retirement using the current ATO super contribution caps. Enter your current balance, salary, and any additional contributions to see how your super will grow.

Your Details

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Additional Contributions

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Concessional contributions (employer SG + salary sacrifice) are taxed at 15% in super. Cap: $30,000/year. Non-concessional (personal) contributions are not taxed. Cap: $120,000/year.

Projected Super Balance at Retirement

Estimated balance at age 67

$2,603,518

in 37 years

Employer SG

$573,731

Salary Sacrifice

$0

Personal

$0

Returns

$1,998,288

Balance Growth Over Time

31
36
42
48
54
60
66
67
Contributions + Starting Balance
Investment Returns

Want to see how super affects your take-home pay? Use our Pay Calculator to see your net pay including super contributions.

Boost Your Retirement Savings

Looking to accelerate your super growth? Our salary sacrifice calculator shows how much tax you save by redirecting pre-tax salary into super. You can also use the pay calculator to see how salary sacrifice impacts your take-home pay.

Planning for financial independence? Try our FIRE calculator to find out when you could retire, or use the compound interest calculator to see how regular contributions grow over time.

Frequently Asked Questions

What is the Superannuation Guarantee (SG) rate?
The Superannuation Guarantee rate is the minimum percentage your employer must contribute to your super. From 1 July 2025, the SG rate is 12% of your ordinary time earnings. This rate has been progressively increasing from 9.5% and reached its legislated target of 12% in 2025-26.
What is salary sacrifice into super?
Salary sacrifice is when you arrange with your employer to contribute part of your pre-tax salary into super instead of receiving it as take-home pay. These contributions are taxed at 15% in super, which is usually less than your marginal tax rate — making it a tax-effective way to boost your retirement savings.
What is the concessional contributions cap?
The concessional (before-tax) contributions cap is $30,000 per year from 2024-25. This includes employer SG contributions, salary sacrifice, and any personal contributions you claim a tax deduction for. Contributions above this cap are taxed at your marginal rate plus an excess contributions charge.
What is the non-concessional contributions cap?
The non-concessional (after-tax) contributions cap is $120,000 per year from 2024-25. These are personal contributions made from your after-tax income that you do not claim a tax deduction for. If you are under 75, you may be able to bring forward up to 3 years of caps ($360,000) in a single year.
When can I access my super?
You can access your super when you reach your preservation age (60 for anyone born after 1 July 1964) and retire, or when you turn 65 regardless of whether you have retired. You may also access super early in limited circumstances such as severe financial hardship, compassionate grounds, or terminal illness.
How is super taxed?
Super is taxed at multiple stages: contributions (15% on concessional contributions), investment earnings (up to 15% on earnings within the fund), and withdrawals (tax-free for most people aged 60+). The lower tax rates in super compared to personal income tax make it a tax-effective savings vehicle over the long term.

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