Australia Superannuation Calculator 2026-27
Project your superannuation balance at retirement using the 2026-27 SG rate of 12%, voluntary contributions, and compound investment returns.
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How to use this calculator
- 1
Enter your annual income. The tool applies a flat 12% employer rate (the 2026-27 figure built into it) to the whole amount, with no maximum earnings base and no pay rises over time.
- 2
Enter your current super balance, current age and retirement age. The number of years is the difference between the two ages, and the retirement age is used only to count years.
- 3
Enter any extra voluntary contributions per year. The tool treats them as before-tax contributions, taxed together with the employer amount at 15%, or 30% when income is above $250,000.
- 4
Enter one expected annual return. It is applied gross every year, so type a figure after fees and tax if you want those reflected. A return of 0 is accepted.
- 5
Read the projected balance, the contributions tax and the net annual addition, then the monthly line, which is the balance divided by 300 months with no growth.
Frequently asked questions
How does the tool work out employer contributions?
It multiplies the income you enter by 12%, the rate built into this tool for 2026-27, and treats the result as the employer contribution every year. On $80,000 that is $9,600. The tool applies the rate to the whole income, so it does not use any maximum earnings base, and it holds the amount flat over the projection, so there are no pay rises.
How is tax on contributions applied?
Employer and voluntary contributions are added together and capped at $30,000 a year, the figure built into the tool. Tax is 15% of that capped amount, or 30% if the income you entered is above $250,000. Any amount over the cap is added to the balance untaxed, which is a simplification. At $120,000 income with $10,000 voluntary, the capped total is $24,400, tax is $3,660 and the net addition is $20,740.
Are voluntary contributions before or after tax?
The tool treats everything you type in that box as a before-tax contribution that is taxed at the contributions rate. It does not model after-tax contributions, spouse contributions, government co-contributions or carry-forward of unused caps. If you plan to contribute after tax, the real contributions tax would be lower than the tool shows.
How is growth calculated?
Each year the balance is multiplied by one plus your return and then the net contribution is added. A contribution therefore earns nothing in the year it is made. The return is one gross rate for every year, so fees, investment tax and different return patterns are not shown. On the default inputs of $80,000 income, $50,000 balance, age 35 to 67 and 7%, the tool projects $1,335,144. With the return set to 0 the answer is the starting balance plus years times the net addition.
What does the monthly income line mean?
It divides the projected balance by 300 months, a 25-year spread with no growth after retirement and no government pension. On the default inputs, $1,335,144 divided by 300 is $4,450 a month. If your current age equals or exceeds your retirement age the years are zero and the line divides today’s balance by 300 instead of showing zero.
Does the tool model preservation age, the age pension or withdrawals?
No. The retirement age is used only to count years of contributions and growth. The tool does not test when you can access your super, how withdrawals are taxed, how your balance affects other support, or any limits on the amount you can hold in retirement phase.
How current are the rate and caps?
The 12% rate, the $30,000 cap and the $250,000 threshold are the figures built into this tool, labelled 2026-27. Australian rules change each 1 July, the tool’s tables are not updated automatically, and the ATO, your fund or a licensed adviser governs what applies to you. Compare the tool’s rate with the ATO’s current figure before relying on any projection.
Australia superannuation calculator — projected balance from contributions and return
What goes in each year and how it grows
Each year the tool adds an employer contribution of 12% of income, the 2026-27 rate built into it, plus any voluntary amount you type. It deducts contributions tax of 15% (30% above $250,000 income) on the part up to the $30,000 cap, and adds the net amount at the end of the year. The balance is multiplied by one plus your return before the contribution is added, and the loop runs once for each year until retirement age.
Worked example: the default 35-year-old on $80,000
The employer amount is $9,600, tax is $1,440 and the net addition is $8,160 a year. Starting from $50,000 and running 32 years at 7%, the tool projects $1,335,144, and a 300-month drawdown line of $4,450. Adding $5,000 of voluntary contributions raises tax to $2,190, the net addition to $12,410 and the projected balance to $1,803,571. The drawdown line then shows $6,012.
Worked example: a higher earner with voluntary contributions
Take $120,000 income, a $150,000 balance, age 45 to 67, $10,000 of voluntary contributions and 6% growth. Employer contributions are $14,400, the capped total is $24,400, tax is $3,660 and the net addition is $20,740. The tool projects $1,440,487 and $4,802 a month. For $300,000 income, no balance, age 30 to 60 and a 0% return, the employer amount is $36,000, only $30,000 is taxed, at 30% for $9,000, and the balance is $810,000. The over-cap $6,000 enters untaxed.
| Income, balance, ages, voluntary, return | Net addition a year | Projected balance | Monthly line |
|---|---|---|---|
| $80,000, $50,000, 35 to 67, $0, 7% | $8,160 | $1,335,144 | $4,450 |
| $80,000, $50,000, 35 to 67, $5,000, 7% | $12,410 | $1,803,571 | $6,012 |
| $120,000, $150,000, 45 to 67, $10,000, 6% | $20,740 | $1,440,487 | $4,802 |
| $300,000, $0, 30 to 60, $0, 0% | $27,000 | $810,000 | $2,700 |
Why the last row is lower than its income suggests
Even though the income is nearly four times the first row, the net addition is only about three times larger, because the 30% rate applies to the capped $30,000 and the tool adds only a flat 12% share of income before tax. The 0% return also means the 30 years are plain addition, which is why $765,000 is exactly 30 times $27,000. The table shows how return, years and starting balance matter as much as income.
What the projection ignores
Fees, investment tax, insurance premiums, pay rises, inflation, after-tax contributions and the rules that govern access to super are not modelled. Australian rules change each 1 July, so the rate, cap and threshold may differ from what is built in, the tool’s tables are not updated automatically, and the ATO, your fund or a qualified adviser decides what applies. Use the figure to compare scenarios, not to plan a retirement income.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →