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Free Super Calculator: Superannuation at Retirement (2026-27)

This super calculator (superannuation calculator) estimates how much super you will have when you retire, and how extra contributions change it.

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Salary sacrifice or personal deductible contributions. Concessional cap $32,500 a year, including employer super.
Assumptions (return, salary growth)
Estimated balance at retirement
$2,683,687

About $1,076,338 in today's dollars (2.5% inflation).

Years to retirement37
Employer super this year (12%)$10,200
Total contributions after 15% tax$573,731

A projection, not a promise: returns vary year to year. Results are before any tax on withdrawal (generally nil after 60).

Last checked November 2026. Source: ATO: Super guarantee rate. How we calculate.

Next step: Salary sacrifice into super · Age Pension you could get · Compound interest on savings

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2026-27 super rates and caps

  • Super guarantee: 12%
  • Maximum super contribution base: $270,830 a year (now annual, was quarterly before 1 July 2026)
  • Concessional contributions cap: $32,500
  • Non-concessional contributions cap: $130,000
  • Tax on concessional contributions in the fund: 15% (an extra 15% Division 293 tax applies above $250,000 income)

How the super calculator works

Each year we add your employer's 12% super guarantee and any extra pre-tax contributions, take off the 15% contributions tax, and grow the balance at your chosen return after fees. Your salary rises at the growth rate you choose. The result is shown in future dollars and in today's dollars.

Salary sacrifice also lowers your income tax: use the pay calculator to see the effect on take-home pay.

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Frequently asked questions

How does this super calculator work?

The superannuation calculator adds your employer's 12% super guarantee and any extra contributions each year, takes off the 15% contributions tax, and grows the balance at the return you choose until your retirement age.

What is the super guarantee rate in 2026-27?

12% of your ordinary time earnings, paid by your employer on top of your salary. From 1 July 2026 employers must pay it with each payday (Payday Super).

How much can I put into super?

The concessional (before-tax) cap is $32,500 a year, including employer super and salary sacrifice. The non-concessional (after-tax) cap is $130,000.

Is there a limit on employer super?

Employers only have to pay super on earnings up to the maximum super contribution base of $270,830 a year in 2026-27.

When can I access my super?

Usually once you reach your preservation age (60 for anyone born after 30 June 1964) and retire, or when you turn 65 even if you keep working. Early release is only allowed in limited cases such as severe financial hardship or terminal illness.

Sources

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