Superannuation Calculator Australia
Project your super balance growth over time with employer Super Guarantee contributions (12%), personal contributions, and compound investment returns.
Superannuation Calculator
Project your super balance growth over time with employer SG contributions and investment returns.
How Superannuation Works in Australia
Employers must pay superannuation at the Super Guarantee (SG) rate of 12% on top of your salary. This is invested in your chosen super fund and grows over time through compound returns.
Frequently Asked Questions
What is the Super Guarantee rate?
The SG rate is 12% from 1 July 2025 onwards. It increased gradually from 9.5% (2014-2021) to 12% (2025-26).
Can I contribute more to super?
Yes. You can make personal contributions up to the concessional cap ($30,000 per year) which are taxed at 15%, or non-concessional contributions (up to $120,000 per year).
What is salary sacrifice?
Salary sacrifice is an agreement with your employer to contribute pre-tax salary to super, reducing your taxable income while boosting your super balance.