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Super Guarantee Gadget

Currently, if you’re eligible for the Super Guarantee, your employer is required to pay at least 9.5% of your salary into your super fund.

The good news is the Super Guarantee rate is meant to rise to 12%.

The bad news is this rise has a bad habit of being delayed as politicians have pushed it back in the past.

Despite previous timelines, the Super Guarantee has remained at 9.5% for the last 5 years and now Australian workers won’t see the rise to 12% until 2025.

We need to defrost the great super freeze. Australian workers can’t afford another delay.

Politicians need to keep their promise and raise the Super Guarantee. If they don’t, Australian workers could stand to lose tens of thousands of dollars. Use the tool to see how much it could affect you.

The current Super Guarantee is on track to be raised to 12%

How much super could you lose if the Super Guarantee froze at 9.5%

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See the difference to your super
at retirement

$0 9.5% payment
$0 12% payment

If the 12% increase does not go ahead,
you could stand to lose $0



Investment returns
Accumulation 5.7%
Pension 4.2%
Salary increase 3.5%
Inflation 2.5%
Asset fee 1.1%
Admin fee (per year) $50
Advisor service fee 0%
Insurance premiums (per year) $0
  • This calculator works for accumulation funds only. It will not work for defined benefit funds.
  • This calculator does not allow self-employed people to project their retirement balance
  • Outcome is based on your contributions being made annually, at the mid-year point, on your fees being deducted annually and your investment returns being credited to your account annually
  • We assume that your super is invested in a balanced option
  • Superannuation Guarantee Contribution is currently 9.5% and then increases to 12% as per current legislation
  • The LISTO applies from 1 July 2017
  • No tax is payable on fees
  • We assume that you have provided your Tax File Number to your superannuation fund
  • All amounts are in today's dollars which means they are adjusted for inflation
  • We assume that inflation is 2.5% each year due to the rising cost of living. Employer and voluntary contributions, fees and the concessional contribution cap increase with inflation.
  • We assume that you will satisfy the Work test at older ages and so are able to contribute
  • We assume that when you exceed the concessional contributions cap ($25,000 in 2019/20), you pay contributions tax according to your adjusted taxable income on any additional superannuation contributions
  • This calculator assumes the user retires at the preservation age of 67
  • For a calculation of your retirement that works with variables outside of the listed assumptions, you can use our Retirement Balance Projector



Your retirement outcome will be affected by many things including the amount of contributions you make, fees, investment returns and regulatory changes. Some factors that may affect your retirement outcomes may not have been taken into account.

Outcome is based on your contributions being made annually, at the mid-year point, on your fees being deducted annually and your investment returns being credited to your account annually.

This is a Model, not a Prediction

The tool is not intended to be relied upon for the purposes of making a financial decision. Consider a fund’s PDS and your objectives, financial situation and needs, which are not accounted for in this information before making an investment decision. You are responsible for your own investment decisions and should obtain specific, individual advice from a financial services licensee before making any financial decisions.