Superannuation Calculator
Project your super balance at retirement — your employer's 12% guarantee plus any salary sacrifice, growing for decades.
Projected Super at Retirement
$0
Employer SG Contributions (12%)$0
Your Salary Sacrifice$0
Contributions Tax Paid (15%)$0
Investment Growth$0
The Superannuation Guarantee is 12% of ordinary earnings — the permanent rate since 1 July 2025. Concessional contributions (SG + salary sacrifice) are taxed at just 15% inside the fund instead of your marginal rate, capped at $32,500 a year for 2026-27 — salary sacrifice is one of Australia's best legal tax breaks. Super is generally accessible from age 60 (preservation age) once retired. Estimates only; returns and rules vary.