Estimate how much superannuation you'll have at retirement. Enter your age, current balance, salary and any extra contributions — the calculator applies the 12% Super Guarantee, 15% contributions tax and compound investment returns to project your balance.
Example: $80,000 balance at age 35
A 35-year-old with $80,000 in super and a $95,000 salary, contributing only employer SG at a 7% return, is projected to reach about $2,272,321 by age 67 — or roughly $1,343,002 in today's dollars once inflation is stripped out. Always check the "today's dollars" toggle: future-dollar figures look large but overstate real buying power.
What drives your final balance
The biggest levers are time, investment return and extra contributions. The 12% SG alone is powerful, but adding even a few thousand a year of salary sacrifice — taxed at 15% instead of your marginal rate — compounds significantly over decades.