Superannuation Calculator
Project your super balance at retirement with Super Guarantee + salary sacrifice contributions.
Details
Result
Super at Retirement
A$2,465,139
Employer (SG)
A$689,268
Voluntary
A$0
Annual Income (4%)
A$98,606
How super works
Your employer pays 12% of your ordinary time earnings into your super fund (Super Guarantee, or SG). The money is locked until preservation age (60 for most), and earnings inside super are taxed at just 15% — far less than your marginal income tax rate.
Salary sacrifice is the best tax play
Concessional contributions (up to $30,000/year including SG) are taxed at only 15% in super. If your marginal rate is 30% or higher, every dollar sacrificed into super saves 15%+ in tax immediately, and compounds tax-advantaged for decades.
The 4% rule
Once retired, withdrawing 4% of your balance annually is considered sustainable for 30+ years. A $1M balance = $40k/yr tax-free income (if you\'re 60+). Use this to reverse-engineer your target balance.
Frequently Asked Questions
Everything you need to know, in one place.
What is the Super Guarantee rate in 2026?
12% from 1 July 2025 onwards (final step of scheduled increases). Paid by employer on top of your salary. Concessional contributions cap: $30,000/year.
Is salary sacrifice worth it?
For most earners yes — contributions taxed at 15% inside super vs your marginal rate (up to 47%). Particularly valuable for earners above $45k (30%+ marginal).
When can I access my super?
Preservation age (60 for those born after 1 July 1964). Can take as lump sum or pension. Tax-free if 60+.
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