Super & Retirement Calculator 2025–26

👤

Your details

Model as a couple

Current age

yrs

Retirement age ?Preservation age in Australia is 60 for those born after 1 July 1964. You can access super at 60 if retired, or at 65 regardless of employment status.

yrs

Current super balance ?Find your current balance on your latest super fund statement or via myGov → ATO → Super.

Annual salary

Employer SG rate ?Superannuation Guarantee (SG) rate is 12% from 1 July 2025. Source: ATO. Some employers pay more — check your payslip. 12% from July 2025

12%

11%12% (current SG)15%

Salary sacrifice ?Salary sacrifice contributions are taxed at 15% (not your marginal rate) up to the $30,000 concessional cap. The cap includes your employer's SG contributions. /yr

After-tax contributions /yr

Concessional cap usage ?The 2025-26 concessional cap is $30,000/year. This includes employer SG + salary sacrifice. Exceeding it means the excess is taxed at your marginal rate.

$10,800 used Cap: $30,000 · ATO →

📈

Assumptions

Investment return /yr after fees ?Historical long-run return for Australian balanced super funds: ~7-8% p.a. Conservative fund: ~4-5%. Growth fund: ~8-9%. Source: APRA.

7.5%

Conservative 3%Balanced 7.5%Growth 12%

Salary growth /yr

0%3% (avg)6%

Return in retirement /yr after fees ?Retirees typically shift to lower-risk (defensive) investments — less growth, less volatility. A balanced fund in accumulation (~7.5%) often moves to conservative (~4–5%) in pension phase. This affects how long your super lasts.

Conservative 1%Balanced 5%Growth 10%

Inflation /yr

Contributions tax (fixed 15%)

🎯

ASFA retirement benchmarks

How your projection compares — ASFA March 2025 ?ASFA Comfortable: $690,000 for a couple, $595,000 for a single. Modest: ~$100,000. Source: ASFA Retirement Standard, March 2025 quarter.

Comfortable couple

$690,000

Comfortable single

$595,000

Modest lifestyle

$100,000

Your projection

—

Source: ASFA Retirement Standard →

💼

Investments outside super ?Include savings accounts, shares, ETFs, investment properties (net equity), or any other assets you plan to draw on in retirement. These are added to your total retirement picture alongside super.

Current value today

Annual contributions /yr

Expected return /yr

Asset type ?Used to estimate tax drag on returns. Shares/ETFs: CGT discount applies. Property: rental income taxed at marginal rate. Cash/bonds: interest fully taxable. Pension income: from age 60, super withdrawals are tax-free.

First Home Super Saver (FHSS)

Planning to buy your first home? Model the FHSS tax saving.

Projected super balance at retirement

—

at age 67 · in today's dollars

Drawdown/yr (4%)

—

Super lasts until

—

Estimated total retirement income

—

per year from all sources · in today's dollars

Super drawdown

—

Outside super

—

Aged pension

—

Weekly (all sources)

—

📊

Retirement income breakdown

Source	Annual	Weekly
Your super (4% drawdown)	—	—
Partner super (4% drawdown)	—	—
Investments outside super	—	—
Aged pension ?2025-26 Age Pension: $29,754/yr single, $44,898/yr couple combined. Eligible from age 67. Subject to income and assets tests. Source: Services Australia.	—	—
Total	—	—

🏛️

Aged pension eligibility

Include aged pension?

Couple or single?

Auto-estimate: Pension eligibility approximated based on projected assets vs 2025-26 assets test thresholds. Full pension: single <$314,000 assets; couple <$470,000. Part pension phases out at ~$695k single / ~$1.05m couple. From age 67. Source: Services Australia →

Total contributions

—

employer + personal

Investment growth

—

before tax

Salary sacrifice saving

—

vs no sacrifice

Years to grow

—

until retirement

📈

Super balance — accumulation & retirement

Accumulation (with sacrifice)

Retirement drawdown

Without sacrifice

Superannuation & FHSS Calculator