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Retirement balance projection

Projects your retirement income too

How much super will I have?

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. 

Not the super amount you were expecting?

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:

a) Salary sacrifice

b) Pay super contributions direct

Both allow you to make your own contributions to your super account and 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. 

Not sure what you will need?

Try the retirement needs calculator.

Retirement Balance Projector

  1. Step 1. My Details
  2. Step 2. My Projection
  3. Step 3. Take Action

My information

The Superannuation Guarantee Charge (SGC) requires all employers to provide a set, minimum level of superannuation each year for each employee. The minimum amount is 9.5%. This rate will rise incrementally until 1 July 2025 where it will be 12%. You may have a different arrangement with your employer who may pay more than the minimum. You should check with your employer to find out what rate of SGC they are paying you.

My contributions


Start contributing today

Your super fund can help you start making extra contributions to your superannuation account.

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AustralianSuper is for all Australians

AustralianSuper is one of the largest industry super funds and has 210,000 participating employers. It is the Industry SuperFund for all Australians and anyone can join.

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Cbus is for anyone in construction and building

Cbus is the Industry SuperFund focused on the construction, building and allied industries. Established in 1984, it has 80,000 participating employers.

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The industry super fund dedicated to health and community services.

More people in health and community services choose HESTA for their super. Click here to find out why.

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Hostplus is for anyone in hospitality, tourism, recreation and sport

Hostplus is the national superannuation fund for the hospitality, tourism, recreation and sport industries and is one of the largest super funds in Australia.

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MTAA Super

MTAA Super is for anyone in the motor trades

MTAA Super is the Industry SuperFund for those working in the motor trades and is also open to the general public.

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Super for savvy professionals

Smart, proactive investing and competitive fees. That’s how we help members reach their financial goals. The result? Strong returns for members – and a list of awards to match. Compare us today.

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LUCRF Super is for hard-working Aussies in any industry

LUCRF Super has looked after members and employers across Australia since 1978.

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NGS Super

NGS Super is for anyone in education and community-focused organisations

NGS Super is dedicated to people working in education and community-focused organisations.

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Media Super

Media Super is for anyone in print, media, entertainment or the arts

Media Super is the Industry SuperFund for people working in print, media, entertainment and art industries and has 13,000 participating employers.

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TWUSUPER is for anyone in the transport and logistics industry

TWUSUPER is the Industry SuperFund for people in transport and logistics. Established in 1984, TWUSUPER has over 15,000 participating employers.

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AustSafe Super

AustSafe Super is for anyone working in rural or regional Australia

For over 25 years, AustSafe Super has been committed to looking after the superannuation savings of members from all sorts of industries in regional cities, towns and in the country.

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Energy Super

Energy Super is for anyone in the electrical and energy industry

Energy Super is a profit-for-members fund established to provide a complete retirement planning solution for everyone, with a continued focus on employees and their families in the energy industry.

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First Super

First Super is the Industry SuperFund for the timber, pulp & paper and furniture & joinery industries

We welcome all Australians regardless of their occupation or location but we have particularly strong links to the timber industry, the pulp and paper industry and the furniture and joinery industry.

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Maritime Super

Helping you make the most of your super

Maritime Super is the largest industry fund dedicated to the maritime industry. Our goal is to help members make the right decisions now to secure financial freedom in the future.

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legalsuper is for anyone working in the legal community

Established more than 26 years ago, legalsuper manages over $2.6 billion for 40% of Australia’s legal community including Judges, Barristers, Lawyers and management and support staff of legal practices.

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REI Super

REI Super is for anyone in residential and commercial real estate

Established in 1975 REI Super is the Industry SuperFund for those working in the Real Estate and Property industries.

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Purpose and assumptions

This calculator generates information illustrating how early additional contributions to your superannuation could make a difference to your balance at retirement. This is based on certain assumptions.


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.

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