🦘 Superannuation Calculator
A superannuation calculator projects your Australian super balance at retirement using the 12% employer super guarantee, optional salary sacrifice, and compound investment returns. It models the 15% contributions tax and warns when combined concessional contributions exceed the 2026-27 cap of $32,500.
Your details
Projected super at age 67
$1,709,024
32 years of 12% super guarantee, 2026-27 settings
Employer SG contributions (12%)
$345,600
Your salary sacrifice
$0
Investment growth
$1,335,264
Estimate only, not financial advice. Model: contributions taxed 15% going in (concessional), end-of-year contributions, constant salary and return. Super guarantee 12% and concessional cap $32,500 per ATO 2026-27 (verified July 2026).
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Frequently asked questions
What is the super guarantee rate in 2026-27?▾
What is the concessional contributions cap for 2026-27?▾
How does salary sacrifice into super work?▾
When can I access my super?▾
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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.