Super Retirement Projection Calculator
Project your superannuation balance at retirement, factoring employer contributions, salary sacrifice, the 15% contributions tax, fees and inflation.
Your results
Calculation breakdown
- Net contribution
- ($100,000.00 × 12% + $0.00) × 85% = $10,200.00
Assumptions
- Concessional contributions (employer + salary sacrifice) are taxed at the standard 15% contributions tax rate inside super.
- Does not model Division 293 tax, contribution caps, insurance premiums or investment option changes.
- Salary and contribution rates are assumed constant for the full projection period.
How this calculator works
This calculator combines your employer super guarantee contributions and any salary sacrifice, applies the standard 15% concessional contributions tax, then compounds the net contribution alongside your existing balance after fees, showing both nominal and inflation-adjusted outcomes.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
Why is only 85% of my contribution added to my balance?
Concessional (before-tax) super contributions, including employer and salary sacrifice amounts, are taxed at 15% inside the fund before being credited to your account.
Does this check contribution caps?
No — use the Super Contribution Cap calculator to check whether your concessional contributions exceed the annual cap, which can trigger extra tax.
Does it model Division 293 tax?
No, Division 293 tax for high income earners is not modelled here.
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.