Retirement Savings Calculator
Project your Australian retirement savings balance in nominal and today's-dollar terms from your balance, contributions and expected returns.
Your results
Calculation breakdown
- Nominal balance
- Balance compounded annually with $10,000.00 added at the end of each year for 20 years = $688,569.46
- Real balance
- $688,569.46 ÷ (1 + 2.5%)^20 = $420,213.93
Assumptions
- Contributions are assumed at the end of each year and returns are assumed constant.
- Real balance shows purchasing power in today's dollars after adjusting for assumed inflation.
How this calculator works
This calculator compounds your current balance and end-of-year contributions at your expected return, then discounts the result by your assumed inflation rate to show what your projected balance is worth in today's purchasing power.
Frequently asked questions
Why show a real (inflation-adjusted) balance?
A large nominal balance in the future may buy much less than it appears to today. The real balance shows purchasing power in today's dollars.
Is this specific to superannuation?
No, this models any investment account. For super-specific settings including contributions tax, use the Super Retirement Projection calculator.
Are contributions assumed at the start or end of the year?
Contributions are assumed at the end of each year.
Results are estimates only and are not financial, tax, legal or credit advice.