Source: MoneySmart
Open the original Superannuation calculator on MoneySmart
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Superannuation calculator
Project how your super balance could grow between now and retirement. It helps you test the impact of contributions, returns, fees and inflation on future buying power.
What this native cut captures
- Employer, before-tax and after-tax contribution flows growing with inflation
- Concessional contribution tax, indexed caps and transfer-balance guardrails
- Retirement balance, today's-dollars buying power and fee-vs-no-fee comparison
Your projection inputs
Use an income, current balance and retirement target similar to MoneySmart, then layer in the fee and voluntary contribution settings you want to test.
This first native cut is intentionally scoped to the reusable projection layer rather than every legacy MoneySmart UI branch.
It is the part most useful for downstream refinance, switch-process and borrower-planning features.
Results
The summary below keeps today's-dollars buying power and fee drag explicit, instead of burying those assumptions inside an external embedded calculator.
Starting at age 35 with $85,000 in super, this projection reaches age 67 with $2,901,363, or about $907,156 in today's dollars.
Contribution flow
- Employer contributions
- $677,316
- Before-tax requested
- $297,069
- Before-tax allowed
- $297,069
- After-tax allowed
- $118,827
- Contribution tax withheld
- $146,158
Fees and growth
- Investment earnings
- $2,149,416
- Percentage fees
- $245,648
- Fixed fees, insurance and advice
- $34,460
- Total fees paid
- $280,108
- No-fee projection
- $3,498,929
Final projection years
Last six years before retirement| Year | Age | Ending balance | Today's dollars | Fees | Net contributions |
|---|---|---|---|---|---|
| 27 | 62 | $1,957,810 | $734,081 | $16,097 | $40,995 |
| 28 | 63 | $2,121,477 | $767,067 | $17,379 | $42,512 |
| 29 | 64 | $2,296,857 | $800,848 | $18,752 | $44,085 |
| 30 | 65 | $2,484,732 | $835,443 | $20,221 | $45,716 |
| 31 | 66 | $2,685,938 | $870,872 | $21,792 | $47,408 |
| 32 | 67 | $2,901,363 | $907,156 | $23,473 | $49,162 |
What to watch
- Retirement-balance projections can now be reused without embedding external HTML or JavaScript.
- Contribution tax, cap pressure and fee drag are explicit inputs that can be surfaced in broader planning flows later.
- Today's-dollars output gives the app a reusable long-range affordability lens, not just a future nominal balance.
How these estimates work
- Employer and voluntary contributions are grown with inflation each year.
- Employer and before-tax contributions are taxed at 15% before they land in the account.
- The concessional cap starts at $30,000 and the non-concessional cap starts at $120,000.
- The transfer balance cap starts at $2,000,000 and is indexed in $100,000 steps.
Super and retirement
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