Project your super balance at retirement. See how employer contributions, voluntary contributions, and compound investment returns grow your superannuation over time. Model different scenarios to plan your retirement savings.
| Age | Balance | Contributions | Returns |
|---|---|---|---|
| 30 | $50,000 | — | — |
| 40 | $226,531 | $8,670 | $14,820 |
| 50 | $573,795 | $8,670 | $37,538 |
| 60 | $1,256,916 | $8,670 | $82,228 |
| 67 | $2,098,615 | $8,670 | $137,293 |
Even a small voluntary contribution can have a big impact over decades. Try adding $200/month ($2,400/year) and see how compound growth amplifies it over your working life.
Try 5% (conservative), 7% (balanced), and 9% (growth) to see how investment choice affects your projected balance. The difference over 30+ years is enormous.
Working just 2 extra years gives you more contributions, more compound growth, and fewer years of drawdown. Increase your retirement age to see the impact.
Voluntary super contributions via salary sacrifice are taxed at 15% instead of your marginal rate. Use the salary sacrifice calculator to see the tax benefit, then model the extra super here.
Salary sacrifice lets you contribute to super from your pre-tax income — saving tax while growing your retirement balance. You can also salary sacrifice into a novated car lease for the same tax benefit with an asset you use today.
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Results are estimates only and should not be relied upon for financial decisions. Actual superannuation repayments will depend on the lender, your credit profile, and the specific terms offered. Interest rates used are for illustration purposes only and may not reflect current market rates.
Subject to lender approval, terms and conditions apply.
This calculator is general information only and is not financial advice.