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.

Current age

Desired retirement age

Annual income before tax and super

Current super balance

Employer contribution rate (% p.a.)

Investment return (% p.a.)

Additional before-tax contribution ($ p.a.)

Additional after-tax contribution ($ p.a.)

Percentage-based fees (% p.a.)

Annual admin fees

Annual insurance cost

Annual adviser fee

Inflation and lifestyle growth (% p.a.) Defaulted to 3.7% to reflect 2.5% CPI plus 1.2% lifestyle uplift used in the imported calculator notes.

Employer contributions calculator Super and pension age calculator

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.

Projected balance at retirement $2,901,363

Buying power in today's dollars $907,156

Fee drag versus no-fee projection $597,565

Total net contributions added $947,055

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.