Will your super be enough? See your balance at retirement.
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Your employer pays 12% of your ordinary earnings into super. Contributions are taxed at 15% when they go in, and investment earnings at up to 15%. You can add salary sacrifice within the $32,500 concessional cap.
The calculator grows your balance until retirement and shows it in today's dollars, so you can compare it with the ASFA retirement standards.
| Your age | 30 years |
| Retirement age | 67 years |
| Salary (before super) | 85,000 $ |
| Current super balance | 40,000 $ |
| Extra before-tax contributions a year | 0 $ |
| Yearly return | 7% |
| Fees | 0.8% |
| Yearly pay rise | 3.5% |
| Inflation | 2.5% |
| Super at 67 | $1,992,864 |
| In today's dollars | $799,272 |
| Contributions after 15% tax | $633,014 |
| Income at 5% drawdown | $99,643 a year |
| ASFA comfortable retirement (single) | about $54,000 a year needs roughly $595,000 in super with a part Age Pension |
$1,992,864; $799,272 in today's money.
| Your age | 45 years |
| Retirement age | 67 years |
| Salary (before super) | 120,000 $ |
| Current super balance | 200,000 $ |
| Extra before-tax contributions a year | 0 $ |
| Yearly return | 7% |
| Fees | 0.8% |
| Yearly pay rise | 3.5% |
| Inflation | 2.5% |
| Super at 67 | $1,389,259 |
| In today's dollars | $806,972 |
| Contributions after 15% tax | $395,706 |
| Income at 5% drawdown | $69,463 a year |
| ASFA comfortable retirement (single) | about $54,000 a year needs roughly $595,000 in super with a part Age Pension |
$806,972 in today's money.
12% of ordinary time earnings, since 1 July 2025.
Rough guides: about $50,000 at 30, $130,000 at 40 and $250,000 at 50, but it depends on income and plans.
ASFA suggests about $595,000 for a single person and $690,000 for a couple for a comfortable retirement alongside a part Age Pension.
From preservation age 60 if you retire, or at 65 even if still working.