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

Project your super balance at retirement with your employer’s 12% contributions, extra salary sacrifice and fees, and see how much tax salary sacrifice saves you in 2026–27.

Updated for the 2026-27 tax year · Rates checked 14 October 2026

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Super at age 67$2,059,922
Balance at retirement$2,059,922
In today’s dollars$796,890
Employer contributions (SG)$714,682
Your salary sacrifice$0
Contributions tax (15%)$107,202
Investment growth (after fees)$1,402,442
  • Your super could reach $2,059,922 by 67, about $796,890 in today’s dollars.
  • Your employer pays $10,800 this year (12%). Contributions are taxed 15% on the way in.
  • You can usually access super from age 60 once you retire.

Your result, explained

Your super could reach $2,059,922, about $796,890 in today’s dollars. Your employer’s 12% contributes $714,682, and growth after fees adds $1,402,442.

Salary sacrificing even a small amount is taxed at 15% instead of your marginal rate. Check your fund’s fees too: a 0.5% difference compounds into tens of thousands of dollars by retirement.

Growth by year

YearContributionsGrowthBalance
1$10,800$3,087$62,267
2$11,124$3,794$75,517
3$11,458$4,556$89,812
4$11,801$5,379$105,222
5$12,156$6,265$121,819
6$12,520$7,219$139,680
7$12,896$8,245$158,887
8$13,283$9,349$179,526
9$13,681$10,534$201,688
10$14,092$11,806$225,472
11$14,514$13,171$250,980
12$14,950$14,635$278,322
13$15,398$16,203$307,613
14$15,860$17,883$338,977
15$16,336$19,681$372,544
16$16,826$21,605$408,451
17$17,331$23,663$446,844
18$17,851$25,863$487,880
19$18,386$28,213$531,722
20$18,938$30,724$578,544
21$19,506$33,406$628,529
22$20,091$36,268$681,875
23$20,694$39,322$738,786
24$21,315$42,579$799,483
25$21,954$46,053$864,198
26$22,613$49,756$933,175
27$23,291$53,703$1,006,675
28$23,990$57,908$1,084,975
29$24,710$62,387$1,168,365
30$25,451$67,156$1,257,154
31$26,214$72,234$1,351,671
32$27,001$77,639$1,452,260
33$27,811$83,390$1,559,290
34$28,645$89,509$1,673,147
35$29,505$96,018$1,794,244
36$30,390$102,940$1,923,015
37$31,301$110,300$2,059,922

Popular amounts

How super grows

Your employer must pay 12% of your ordinary earnings into super. Contributions are taxed at 15% as they enter the fund, and investment earnings are taxed at up to 15% while you’re working. That’s why we ask for a return after investment tax. Fees come off every year, so a low-fee fund makes a big difference over decades.

2026–27 caps

  • Concessional (before-tax) cap: $32,500, including your employer’s SG and salary sacrifice.
  • Non-concessional (after-tax) cap: $130,000, or up to $390,000 using the bring-forward rule if your balance is under $1.84 million.

Accessing your super

You can usually access super once you reach your preservation age (60) and retire, or at 65 regardless of work status.

Frequently asked questions

Is salary sacrifice worth it?

If your marginal tax rate is above 15%, usually yes. Contributions are taxed at 15% instead of your marginal rate (30–45% plus Medicare levy).

How much super do I need to retire?

The ASFA retirement standard is a common benchmark for a “comfortable” or “modest” lifestyle. Compare its latest figures with the balance shown above.

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