Australian super retirement calculator
Project your Australian super balance and retirement income, then estimate the savings needed to cover your chosen spending.
All amounts are in Australian dollars (AUD).
Adjust your plan
Move the sliders or enter exact amounts.
Your super
Use one person’s balance and annual contributions.
Your retirement
Set your own spending target in today’s dollars.
Your estimate
Updates instantly as your numbers change.
Super at retirement
$854,091
In today’s dollars at age 67, with $10,200 added each year after contribution tax.
Yearly income from super
$51,941
An even drawdown from 67 to 90, using your entered net return.
Savings needed outside super at retirement
$0
The lump sum that could cover the remaining spending gap through your planning age. It does not subtract any savings you already hold outside super.
Yearly gap from Age Pension age
$0
No Age Pension is assumed.
How this calculator works
Your balance grows at the return you enter, with employer contributions and salary sacrifice added after contribution tax at each year end. The projected balance funds equal yearly withdrawals through your planning age. Any Age Pension estimate you enter starts at 67. The calculator discounts the remaining spending gap back to the savings needed when you retire.
Important assumptions
- Figures are in Australian dollars at today’s purchasing power. Earnings and contributions stay constant after inflation. Enter a return after investment tax, all fees, insurance and inflation.
- Defaults use the 2026/27 settings: 12% employer contributions and 15% contribution tax. Adjust these to your circumstances.
- The general before tax contribution cap is AUD 32,500 a year. This illustration does not calculate excess contribution tax or use carry forward allowances.
- Retirement before 65 assumes you satisfy a super release condition. This model starts at 60 and does not estimate early access or transition to retirement arrangements.
- Age Pension starts at zero. An amount you enter is an assumption from 67, not an eligibility assessment. Residence, income and assets tests can change what you receive.
- The contribution tax rate is your input. Low income refunds, Division 293, government co contributions and after tax contributions are not calculated. No future rule changes are predicted.
- Drawdown is a mathematical estimate until your chosen planning age. Minimum pension withdrawals, market volatility, tax on retirement income and living longer are not modelled.
These results are general illustrations only and are not financial advice. Actual outcomes can differ.
Sources: Moneysmart superannuation calculator assumptions, Moneysmart super access rules, Moneysmart tax and super, Services Australia Age Pension eligibility.
Turn the estimate into a living plan
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Common questions
Terms explained
- FIRE number
A FIRE number is the invested amount you need for your investments to cover your yearly spending, often 25 times annual spending.
- Compound interest
Compound interest is earning returns on your past returns as well as on the money you put in.
- Real return
A real return is an investment return after inflation, which shows how much your buying power actually grew.
- Net worth
Net worth is everything you own minus everything you owe.