Australian Superannuation Calculator
Project a super balance. Employer SG rate: 12% (from 1 Jul 2025). Concessional cap: A$30,000/yr.
Inputs
How it works
Monthly compounding · end-of-period contributions. SG = salary × 12%. Salary sacrifice + SG capped at A$30,000 concessional. Gross return shown — Australian super applies 15% contributions tax and 15% earnings tax that this calc does not deduct; net result will be lower.
Frequently asked questions
Is this guaranteed?
No — these are projections that assume your inputs hold. Real markets and life are variable.
What's the 4% safe-withdrawal rule?
The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.
Should I max out my 401(k)?
At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.
Roth vs. Traditional?
Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.
When should I start saving?
Immediately. The single biggest variable in retirement success is years of compounding.