Super Accumulation Calculator for Australians

See how your super balance could grow over time with employer SG, salary sacrifice, and extra contributions, using Australian rules and contribution caps.

This tool is for education only – it’s not financial advice. Use it to understand how different contribution strategies might change your future balance, then speak to a licensed adviser before making decisions.

Open the Super Accumulation Calculator

Important: This calculator and page are for educational and informational purposes only. They do not provide financial product advice, personal financial advice, or a recommendation. SuperCalc Pro is not licensed to provide financial advice under Australian law (we do not hold an Australian Financial Services Licence). Past performance does not guarantee future results. Always consider your own objectives, financial situation, and needs, and consult a licensed financial adviser (AFSL holder) before making financial decisions.

What this super accumulation calculator helps you explore

This calculator focuses on the accumulation phase of superannuation. It helps you understand how your balance might grow between now and retirement under different contribution and return assumptions, including:

How your current super balance could grow with employer SG alone.
How adding salary sacrifice or after-tax contributions changes your projected balance.
How different investment return assumptions affect your end balance.
How changing retirement age gives your money more or less time to compound.

Superannuation (accumulation phase) Employer SG and salary sacrifice Contribution cap awareness Projected balance at retirement

Key inputs you can control

On the calculator you’ll be able to adjust:

Current age and planned retirement age – how many years you have left to contribute.
Current super balance – including any rollover amounts.
Salary and employer SG rate – to estimate compulsory contributions.
Extra contributions – salary sacrifice and personal after-tax contributions.
Investment return assumptions – conservative, balanced, or growth settings.

The calculator uses these inputs to project your future super balance at your chosen retirement age, under different contribution strategies.

How the projections are calculated

The accumulation calculator applies contribution and return assumptions year by year to your current balance and ongoing contributions. Rather than promising a single future number, it helps you see how:

Higher or lower contributions change your projected super balance.
Starting extra contributions earlier gives more years for compounding.
Different return assumptions (e.g. conservative vs growth) affect outcomes.

It is a planning tool, not a prediction. Real-world returns, fees, and tax outcomes will differ from the simplifying assumptions used here.

Interactive Super Accumulation Calculator

Below is a live link into the SuperCalc Pro app. Click anywhere in the box to open the accumulation calculator mode, where you can enter your details and test different contribution strategies.

Launch the Super Accumulation Calculator

Click here to open the SuperCalc Pro app. You’ll be able to set your age, salary, current super, and contribution levels, and see how your balance might grow by retirement.

Common questions about this super accumulation calculator

Is this giving me personal financial advice?: No. It’s an educational tool to help you understand how contributions and returns might affect your super balance. It doesn’t know your full situation or objectives.
Does it guarantee future returns or balances?: No. The projections use assumptions that will not perfectly match future markets, fees, taxes, or rule changes.
Can I rely on this instead of speaking to an adviser?: No. You should use this to prepare for a conversation with a licensed financial adviser, not as a substitute for that advice.