Australian Superannuation Calculator 2026
Last verified · Methodology
Enter your current age, super balance, salary, and expected return rate to project your superannuation balance at retirement age. Includes salary sacrifice modelling and shows both nominal and inflation-adjusted (real) balances.
Superannuation Details
Projection applies 15% tax on concessional contributions and 15% earnings tax inside the fund (accumulation phase). Assumes constant salary and return rate throughout. Does not model the Transfer Balance Cap, concessional cap, or non-concessional contributions. Figures are in nominal (future) dollars unless stated otherwise. Does not constitute financial advice. Consider consulting a licensed financial adviser.
| Current Age | $60,000 Salary | $80,000 Salary | $120,000 Salary |
|---|---|---|---|
| 25 | A$741,000 | A$988,000 | A$1,482,000 |
| 30 | A$539,000 | A$719,000 | A$1,078,000 |
| 35 | A$383,000 | A$511,000 | A$766,000 |
| 40 | A$263,000 | A$350,000 | A$526,000 |
| 45 | A$167,000 | A$222,000 | A$334,000 |
| 50 | A$91,000 | A$121,000 | A$181,000 |
The Superannuation Guarantee (SG) rate for 2025/26 is 12% of an eligible employee's ordinary time earnings (OTE). This is the minimum employer contribution required by law. The SG rate increased to 12% from 1 July 2025 as part of a legislated schedule that will keep the rate at 12% from that date. Some enterprise agreements or employment contracts may provide higher employer contributions.
The concessional contributions cap for 2025/26 is $30,000 per financial year. This cap covers all concessional (before-tax) contributions including employer SG contributions, salary sacrifice contributions, and personal deductible contributions. Contributions above this cap are included in your assessable income and taxed at your marginal rate (with a 15% tax offset). If your total super balance (TSB) is below $500,000 at 30 June of the previous year, you can carry forward any unused cap amounts from the previous 5 years.
The FHSS scheme allows first home buyers to save a deposit inside their super fund, taking advantage of the lower 15% concessional tax rate. You can make voluntary concessional or non-concessional contributions and request a release of up to $15,000 per financial year, to a maximum of $50,000 total across all years. The released amount is taxed at your marginal rate less a 30% tax offset. This makes FHSS most beneficial for people who would otherwise be saving at a high marginal rate.
The Transfer Balance Cap (TBC) is the maximum amount you can transfer from accumulation phase to retirement (pension) phase where earnings are tax-free. For 2025/26 the general TBC is $1.9 million. Any amount above the cap transferred to pension phase triggers excess transfer balance tax. The TBC is indexed to CPI in $100,000 increments. Strategically managing your super balance relative to the TBC is an important retirement planning consideration for those approaching or exceeding this threshold.
Within the accumulation phase, concessional contributions (employer SG and salary sacrifice) are taxed at 15%. Investment earnings in the fund are also taxed at a maximum of 15%. Non-concessional contributions are after-tax and not taxed again on entry. In the retirement phase (pension), earnings are tax-free, and withdrawals for individuals aged 60 or over are generally tax-free. Members under 60 may pay tax on lump sum withdrawals above the low-rate cap ($235,000 in 2025/26). High-income earners (income over $250,000) pay Division 293 tax of an additional 15% on concessional contributions.
Yes. Salary sacrifice into superannuation allows you to direct a portion of your pre-tax salary to your super fund rather than receiving it as take-home pay. The contribution is taxed at 15% inside super rather than your marginal rate, creating a tax saving. The sacrificed amount counts towards your concessional contributions cap ($30,000 in 2025/26, including employer SG). Salary sacrifice reduces your assessable income, which may also reduce your HECS-HELP repayment and Medicare Levy Surcharge obligations.