Calculate the answers and see how your actions can change your retirement.
This calculator projects how much super you're likely have when you retire and the income you may get from your super and Age Pension. It also demonstrates how things like your retirement age, fees and additional contributions to your super can make a difference to your balance at retirement. This is based on certain assumptions.
The assumptions used in this calculator are, in our opinion, reasonable for the purposes of working out the estimates. The assumptions are based on objective evidence on long-term net returns, fees, relevant economic forecasts and analysis on wages, prices and productivity.
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.
With the exception of fixed statutory assumptions, you can alter default assumptions to the extent that they can be reasonably expected to change. It should be noted that any change to the assumptions will apply for the whole of the calculation period. Any changes made to the default assumptions is likely to impact the final results. Over time small changes can have a significant impact on final results.
While we have made every effort to ensure these assumptions are reasonable, you should review them to match their own expectations/circumstances and not take them as the most appropriate assumption in all cases.
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.
The projected outcome uses the following assumptions and settings. These can be adjusted to suit your own situation. If you have included your partner, these assumptions and settings apply to both of you.
The outcome relies on the following fixed assumptions and settings which cannot be adjusted.
This calculator brings together publicly available Australian data and licenced data.
This calculator estimates what you’ll retire on when the time comes, and how much income you could receive. It also shows how adding even a small amount extra each year into your superannuation can make a huge difference to your retirement lifestyle down the track.
Were you banking on having more in retirement than the projector has estimated? There are two excellent ways to boost your retirement and save on tax now
Both allow you to make your own contributions into your super account and generally take advantage of lower tax rates. You can also make payments into your partner’s super account, so you’ve both got more to spend when you retire.
You might also choose to delay full retirement by transitioning to retirement instead. This gives you the option of reducing your work hours, while topping up your work income with a bit of super.
Yes, it does. If there’s a chance that you’ll qualify for the Commonwealth age pension when you turn 67, this will be taken into account and shown in yellow on the results graph.
The superannuation calculator not only provides an estimate of how much super you’ll have, but also gives you a good idea of how long it’ll last. You can then adjust your retirement settings and see how those changes will affect the duration of your super. Depending on your potential eligibility, the calculator can also include the Australian age pension.
The calculator can take investment income etc into account when providing an immediate estimate on how long your money will last. The calculator lets you include investments and other assets to get a more complete picture of your retirement income from all sources – even the age pension if you’re potentially eligible.
Every divorce settlement is different, with conditions set out by agreement between the individual parties rather than via a calculator such as this one. Remember though, it’s handy to know how much both you and your partner have in super when arranging a divorce settlement.
Yes it is. Australia’s superannuation system and laws are not like those in other countries, which is why the super balance calculator has been specifically designed to take into account many uniquely Australian factors, such as the age pension criteria, cost of living, tax benefits, investment returns and lifestyle.
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