This shows the impact of your extra contributions — on top of whatever you're already doing. Results are in today's dollars, adjusted for inflation.
Your details
$
$
Advanced assumptions
Your super at retirement, with the extra
$—
in today's dollars, at age 67
Without the extra contributions
$—
Your extra contributions add
$—
The magic of compounding: a good chunk of your boost comes from growth on your contributions, not just the contributions themselves — which is why starting earlier makes such a difference.
The assumptions behind this calculator
- Results are shown in today's dollars (adjusted for inflation, default 2.5%).
- Default net returns after fees and tax: Conservative 4.5%, Balanced 6.0%, Growth 7.0% per year — override these under "Advanced assumptions".
- Before-tax (salary sacrifice) contributions have 15% contributions tax applied on the way in, so 85 cents of each dollar lands in super — but salary sacrifice can also reduce your income tax, so the real cost to your take-home pay is often less than the amount shown.
- After-tax contributions are made from money you've already paid tax on, so the full amount goes in.
- Annual contribution caps apply. Before-tax (concessional) contributions — including your employer's — are capped (currently $32,500 for 2026–27), and after-tax contributions have a separate, higher cap. Exceeding the caps can trigger extra tax, so check current limits at ato.gov.au.
- Default settings are based on ASIC's MoneySmart superannuation calculator assumptions.
General Advice Warning: This calculator provides a general estimate only and is not a prediction or personal financial advice. It doesn't take into account your personal objectives, financial situation or needs. Actual returns vary and could be negative, and contribution caps and tax rules change over time. Consider seeking personal advice before making decisions, and see moneysmart.gov.au for the Government's independent calculators.