Super Calculator: Retirement Balance
See what your superannuation could be worth when you retire, with the 12% employer contribution, tax, fees and any extra you add.
What we noticed
Year by year
How this calculator works
Each year your employer pays the super guarantee, which is 12% of your pay in 2026-27, up to the maximum contribution base. You can add more through salary sacrifice. Contributions made before tax are taxed at 15% when they go into your fund.
We grow your balance each year at the return you choose, take off the fees, and take 15% tax on the earnings inside super. Pay and prices rise by the rates you set. The result is shown in today's money so it is easy to judge.
These are estimates. Your fund's fees, investment mix and returns will differ, and the rules change from time to time. Check your fund's own projection and the ATO's information.
We assume the cap and the maximum contribution base rise with your pay growth, fees come off after the 15% tax, and contributions in your last working year earn half a year of growth.
Super numbers for 2026-27
| Super guarantee rate | 12% |
|---|---|
| Concessional (before-tax) contributions cap | $32,500 |
| Tax on before-tax contributions | 15% |
| Maximum contribution base (pay counted for the guarantee) | $270,830 |
| Tax on investment earnings in super | Up to 15% while you accumulate |
Sources: Official source
Frequently asked questions
How much super do I get from my employer?
In 2026-27 your employer must pay the super guarantee of 12% of your ordinary time earnings, up to the maximum contribution base. Since 1 July 2026 employers must pay super with each payday, and it should reach your fund within about 7 business days.
What is the concessional contributions cap?
It is the limit on before-tax contributions, which include your employer's and any salary sacrifice. For 2026-27 it is $32,500. Going over means extra tax.
How are my super earnings taxed?
Earnings inside a super fund in the accumulation phase are taxed at up to 15%. Fees come out of your balance as well.
When can I get my super?
Generally once you reach your preservation age, which is 60 for people born after 30 June 1964, and you retire. Check the ATO for your own situation.
Is this a forecast?
No. It is an estimate based on the numbers you enter. Markets, fees and rules will differ.