Super Balance Projection Calculator
Project your superannuation balance forward using your current balance, contributions and an assumed investment return.
Your results
Calculation breakdown
- Yearly step
- balance = balance × (1 + return) + annual contributions
- Repeated for
- each year over the projection period
Worked example
Starting with $80,000, contributing $11,000 a year and assuming a 7% return, the balance grows to roughly $470,000 after 20 years.
Assumptions
- Contributions and returns are assumed constant every year.
- Figures are nominal (not adjusted for inflation).
- Fees and taxes on earnings are not separately modelled — reduce the return to approximate them.
Sources
How this calculator works
This calculator projects how your superannuation balance could grow over time by compounding your current balance and ongoing contributions at an assumed annual return, net of fees. Adjust the return, contribution and years to see how small changes compound over a working life.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
What return should I assume?
Balanced super options have historically returned roughly 6–8% a year before fees, but future returns are never guaranteed, so try a few scenarios.
Does this include the super guarantee?
Yes, you enter your annual contribution total, which can include employer super guarantee, salary sacrifice and personal contributions.
Does it account for inflation?
No, figures are in nominal dollars. Reduce the assumed return by expected inflation for a rough real (today's-dollars) estimate.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.