Australian Superannuation Calculator
Plan your retirement with confidence
Your Details
Australian Super Rates 2025
Superannuation Guarantee: 11.5% (increasing to 12%). Contribution caps: $30,000 concessional, $120,000 non-concessional.
Superannuation Guarantee: 11.5% (increasing to 12%). Contribution caps: $30,000 concessional, $120,000 non-concessional.
Your Super Projection
$850,000
Projected super at retirement
$320,000
Total contributions
$530,000
Investment growth
| Age | Balance | Annual Contrib |
|---|
Contribution Scenarios
Salary Sacrifice Benefits
Contributing pre-tax dollars to super reduces taxable income and benefits from the 15% super tax rate versus higher marginal tax rates.
Contributing pre-tax dollars to super reduces taxable income and benefits from the 15% super tax rate versus higher marginal tax rates.
Strategy Comparison
Standard Only
$650,000
SG contributions only
With Extra Contributions
$980,000
+$330,000 more
$16,500
Extra annual retirement income (5% drawdown)
$1,890
Annual tax savings from salary sacrifice
| Age | Standard | With Extra | Difference |
|---|
Retirement Income Planning
Age Pension 2025
Full pension: ~$29,000/year singles, ~$44,000/year couples. Asset test thresholds apply.
Full pension: ~$29,000/year singles, ~$44,000/year couples. Asset test thresholds apply.
Your Retirement Income
$40,000
Annual super income
$15,000
Estimated Age Pension
$55,000
Total annual income
Surplus: $5,000
vs desired income
25+ years
Super duration
| Age | Super Balance | Annual Income |
|---|