Compound Super Growth Calculator
Visualise how compounding investment returns grow a superannuation balance year by year to retirement.
Your results
Year-by-year projected balance
| Year | Balance |
|---|---|
| 1 | $63,500 |
| 2 | $77,945 |
| 3 | $93,401 |
| 4 | $109,939 |
| 5 | $127,635 |
| 6 | $146,569 |
| 7 | $166,829 |
| 8 | $188,507 |
| 9 | $211,703 |
| 10 | $236,522 |
Calculation breakdown
- Yearly step
- balance = balance × (1 + return) + contribution
Worked example
Starting at $50,000 with $10,000 added yearly at a 7% return, the balance passes $190,000 after 10 years.
Assumptions
- Nominal dollars, not adjusted for inflation.
- Fees and taxes on earnings are not separately modelled.
How this calculator works
This calculator compounds a starting super balance and regular contributions at an assumed annual return, producing a year-by-year balance table so you can see the effect of compounding clearly. Use it to compare different contribution or return scenarios.
Frequently asked questions
How is compounding calculated here?
Each year the balance grows by the assumed return, then contributions for that year are added, before the next year's growth is applied.
Why does the balance grow faster in later years?
Compounding means investment earnings themselves start earning returns, so growth accelerates as the balance gets larger.
Can I model a change in contributions later?
This calculator assumes a constant annual contribution; run it twice with different contribution levels to compare scenarios.
Results are estimates only and are not financial, tax, legal or credit advice.