Australia · Your super, in perspective
Retirement savings
calculator Australia.
Estimate your super at retirement and compare it with your income target. See what a change in contributions could make possible.
Worked example. Update the inputs to see your estimate.
Estimated super at age 67
$759,129
In today's Australian dollars, adjusted for 2.5% inflation.
Your savings over time
Today's money*Annual budget is always in today's dollars, before any personal tax, and assumes steady returns through age 95. It includes your entered Age Pension when it starts. It is not a safe withdrawal rate.
At your entered income target, your super is used up around age 90. Age Pension is set to A$0. You can enter an estimate in the advanced settings.
See the year-by-year breakdown
| Age | Net contributions | Growth less fees | Super balance | Today's value |
|---|---|---|---|---|
| 36 | $10,710 | $4,813 | $100,523 | $98,071 |
| 37 | $10,978 | $5,666 | $117,167 | $111,521 |
| 38 | $11,252 | $6,581 | $135,000 | $125,361 |
| 39 | $11,533 | $7,560 | $154,094 | $139,601 |
| 40 | $11,822 | $8,609 | $174,525 | $154,255 |
| 41 | $12,117 | $9,731 | $196,374 | $169,332 |
| 42 | $12,420 | $10,931 | $219,725 | $184,847 |
| 43 | $12,731 | $12,213 | $244,669 | $200,812 |
| 44 | $13,049 | $13,583 | $271,301 | $217,238 |
| 45 | $13,375 | $15,044 | $299,721 | $234,141 |
| 46 | $13,710 | $16,604 | $330,034 | $251,534 |
| 47 | $14,052 | $18,267 | $362,354 | $269,430 |
| 48 | $14,404 | $20,041 | $396,798 | $287,846 |
| 49 | $14,764 | $21,930 | $433,492 | $306,794 |
| 50 | $15,133 | $23,943 | $472,568 | $326,292 |
| 51 | $15,511 | $26,086 | $514,166 | $346,355 |
| 52 | $15,899 | $28,368 | $558,432 | $366,999 |
| 53 | $16,297 | $30,795 | $605,524 | $388,241 |
| 54 | $16,704 | $33,377 | $655,605 | $410,099 |
| 55 | $17,122 | $36,123 | $708,849 | $432,590 |
| 56 | $17,550 | $39,042 | $765,441 | $455,733 |
| 57 | $17,988 | $42,144 | $825,573 | $479,546 |
| 58 | $18,438 | $45,440 | $889,451 | $504,050 |
| 59 | $18,899 | $48,941 | $957,292 | $529,263 |
| 60 | $19,371 | $52,659 | $1,029,323 | $555,207 |
| 61 | $19,856 | $56,607 | $1,105,785 | $581,903 |
| 62 | $20,352 | $60,797 | $1,186,935 | $609,372 |
| 63 | $20,861 | $65,244 | $1,273,039 | $637,637 |
| 64 | $21,382 | $69,962 | $1,364,383 | $666,721 |
| 65 | $21,917 | $74,966 | $1,461,267 | $696,648 |
| 66 | $22,465 | $80,274 | $1,564,006 | $727,442 |
| 67 | $23,027 | $85,903 | $1,672,935 | $759,129 |
| Age | Super withdrawal | Age Pension | Total income | Super left |
|---|---|---|---|---|
| 68 | $45,000 | $0 | $45,000 | $735,429 |
| 69 | $45,000 | $0 | $45,000 | $711,042 |
| 70 | $45,000 | $0 | $45,000 | $685,950 |
| 71 | $45,000 | $0 | $45,000 | $660,129 |
| 72 | $45,000 | $0 | $45,000 | $633,561 |
| 73 | $45,000 | $0 | $45,000 | $606,223 |
| 74 | $45,000 | $0 | $45,000 | $578,093 |
| 75 | $45,000 | $0 | $45,000 | $549,148 |
| 76 | $45,000 | $0 | $45,000 | $519,364 |
| 77 | $45,000 | $0 | $45,000 | $488,717 |
| 78 | $45,000 | $0 | $45,000 | $457,182 |
| 79 | $45,000 | $0 | $45,000 | $424,733 |
| 80 | $45,000 | $0 | $45,000 | $391,344 |
| 81 | $45,000 | $0 | $45,000 | $356,988 |
| 82 | $45,000 | $0 | $45,000 | $321,636 |
| 83 | $45,000 | $0 | $45,000 | $285,260 |
| 84 | $45,000 | $0 | $45,000 | $247,829 |
| 85 | $45,000 | $0 | $45,000 | $209,314 |
| 86 | $45,000 | $0 | $45,000 | $169,684 |
| 87 | $45,000 | $0 | $45,000 | $128,904 |
| 88 | $45,000 | $0 | $45,000 | $86,944 |
| 89 | $45,000 | $0 | $45,000 | $43,767 |
| 90 | $44,339 | $0 | $44,339 | $0 |
| 91 | $0 | $0 | $0 | $0 |
| 92 | $0 | $0 | $0 | $0 |
| 93 | $0 | $0 | $0 | $0 |
| 94 | $0 | $0 | $0 | $0 |
| 95 | $0 | $0 | $0 | $0 |
An illustration, not a forecast or personal financial advice. Uses an accumulation super account and simplified retirement spending model. Eligibility for government benefits is not assessed. See all assumptions.
Using this calculator
A savings target.
A sense of direction.
This Australian retirement savings calculator focuses on an accumulation super account. It combines your starting super balance with regular employer and personal contributions, then applies the return, fee and inflation assumptions you choose.
- Start with your latest balance. Use the total you want to model and an annual salary that excludes employer super.
- Include your extra contributions. Salary sacrifice is entered before contributions tax. After-tax contributions have a separate field.
- Set a retirement income target. The retirement illustration compares that target with the income the model could support through your chosen end age.
Retirement income and the savings gap are shown in today's dollars. The annual budget is a level spending illustration that uses the pot over the selected horizon; it is not a recommendation about how much to withdraw.
Understand super contributionsA little more clarity
Common questions.
Does this automatically include the Age Pension?
No. The default is A$0. Enter your own annual estimate and start age under retirement income. Check Services Australia · Age Pension ↗ for the official income, assets and residence rules. Your estimate remains constant in real terms; later eligibility changes are not simulated.
Are super contributions taxed?
The model deducts 15% from employer and salary-sacrifice contributions. After-tax contributions are added without that deduction. It excludes low-income offsets, government co-contributions, carry-forward and bring-forward arrangements, and additional high-income or large-balance taxes.
What happens if I exceed a contribution cap?
The projection limits contributions to the model's current annual caps and displays a notice. It does not estimate an excess-contribution tax bill or your legal right to contribute. Current nominal caps stay fixed in future years; this is a simplifying assumption you should review.
Which return should I enter?
Use a nominal return after investment earnings tax but before the fees entered separately. If your fund's published assumption already deducts a fee, do not deduct it again. The default is illustrative and the lower and higher scenarios are not probability estimates.
Why show both today's and future dollars?
Future dollars are the projected balance at retirement. Today's dollars divide that amount by accumulated inflation so that you can compare it with today's spending. The retirement budget and target always use today's dollars.
What is outside this calculator's scope?
Defined benefit schemes, non-super assets, early access, individual tax circumstances and benefit eligibility. Retirement is illustrated from age 60 or later using the entered return after earnings tax; it does not model transfer-to-pension caps or mandatory minimum pension drawdowns. Personal income tax on retirement income is not deducted.
The rules behind the numbers
Official sources
- ASIC Moneysmart · Super contributions ↗
- ASIC Moneysmart · Contribution caps and tax assumptions ↗
- ASIC Moneysmart · Superannuation calculator assumptions ↗
- Services Australia · Age Pension ↗
Rates are versioned for 2026/27. Return and inflation defaults are editable illustrations, not government forecasts. Read our methodology