Super & Retirement Calculator Australia

How much super you could retire with in today's dollars, how long it lasts, and how it compares with the ASFA Retirement Standard.

Your age now (years)

Age you plan to retireAge Pension age is 67. You can usually take your super from 60 once you retire, or at 65 even if you keep working.

Super balance now ($)

Yearly salary before super ($)Before tax and before any salary sacrifice.

Employer super (% of salary)The super guarantee is 12%, paid on salary up to $270,830 in 2026-27.

Extra salary sacrifice ($ a year, optional)Cut back if your employer super plus this goes over the $32,500 concessional cap.

Investment return (% a year)After investment fees, before tax on earnings. Moneysmart assumes 6.1% after tax for a balanced option.

Tax on earnings (% of earnings)An assumption: funds pay up to 15%, less after franking credits and capital gains discounts.

Admin fee (% of balance a year)Moneysmart default 0.11%. Check your fund’s fees and costs summary.

Admin fee ($ a year)Moneysmart default $59. Add insurance premiums here if you pay them from super.

Your wage growth (% a year)How fast your salary, and so your contributions, grow. ASIC's default is 3.7%, its wage inflation rate.

Wage inflation while working, for today's dollars (% a year)ASIC's required default: 3.7%. Your balance at retirement is divided by this each year you work.

Price inflation in retirement (% a year)ASIC's required default: 2.5% (CPI). Keeps your retirement income in today's dollars.

Plan income to ageASIC's default is 92, which allows for living longer than average.

Compare with ASFA for a

Income you want in retirement ($ a year, today’s dollars)Defaults to the ASFA comfortable standard for a single homeowner.

Super at retirement, in today's dollars

–

In future dollars–

Income it could pay each year to 92, today's dollars–

Starting balance and contributions after tax–

Investment earnings after tax and fees–

Fees paid over the years–

Drawing your income, it lasts–

ASFA comfortable, per year–

ASFA modest, per year–

ASFA lump sum for comfortable at 67–

An estimate in today's dollars, not a promise or financial advice. Don't rely on it to choose a super fund, investment option or other financial product; consider advice from a licensed financial adviser (an AFS licensee) before you decide. The Age Pension isn't included: check yours with Services Australia or the Moneysmart retirement planner. Assumptions and limitations are listed below the chart.

Your super by age, in today's dollars

Show the numbers

Age	Contributions	Earnings	Balance	Future dollars

Assumptions and limitations of this estimate

What it's for: exploring how your age, contributions, fees and returns could change your super at retirement and the income it pays. It's a projection with fixed assumptions, not a prediction: real returns, fees, inflation and your pay will vary every year, so your actual balance will be different, possibly by a lot.

Today's dollars: the headline amounts are in today's dollars (present value), as ASIC requires. Future dollars are divided by 3.7% a year while you're working (wage inflation) and 2.5% a year in retirement (consumer price inflation), the default rates set by ASIC in the ASIC (Superannuation Calculators and Retirement Estimates) Instrument 2022/603 and Regulatory Guide 276, unless you change them. Dividing by wage growth while you work shows what your super would be worth compared with today's wages and living standards. The future-dollar figure isn't adjusted for inflation.

Default assumptions and why they're reasonable:

Retirement at 67, the Age Pension age, with income planned to age 92: both are ASIC's required defaults. A retirement age before your preservation age (60) is moved to 60, because super can't usually be taken earlier.
Employer super of 12% of salary (the legislated super guarantee from 1 July 2025), up to the 2026-27 maximum contribution base, and 15% contributions tax, both from the ATO. Tax and super laws are assumed to stay as they are now.
Your salary and contributions grow 3.7% a year, ASIC's wage inflation rate; the $32,500 concessional cap and maximum contribution base grow with it.
A 6.5% return after investment fees, less an assumed 7% effective tax on earnings, about 6.05% after tax: close to the 6.1% Moneysmart's superannuation calculator assumes for a balanced option. The 7% tax rate is an estimate, not an official figure.
Administration fees of $59 a year plus 0.11% of your balance, Moneysmart's defaults. Check your fund's fees and costs summary.
In retirement, no tax on earnings (a retirement-phase account-based pension), the same return and fees, and income taken at the start of each year.

What's not included, and its effect: the Age Pension (most retirees get a full or part pension, so your total retirement income is likely to be higher and your super to last longer than shown); insurance premiums paid from super (they would lower your balance; add them to the dollar fee); contribution fees, switching and other activity fees; the extra 15% Division 293 tax above $250,000 of income; time out of the workforce; and the transfer balance cap and minimum drawdown rules in retirement. Market ups and downs aren't modelled, so the order of good and bad years, which matters most near retirement, isn't shown.

How your super projection works

Checked 15 Oct 2026. Today's dollars and the retirement age and planning age follow ASIC's required defaults (RG 276); returns and fees follow Moneysmart's superannuation calculator; ASFA standard as published by Moneysmart.

The calculator projects your super year by year to your retirement age. Each year your employer pays 12% of your salary (up to the maximum contribution base), plus any salary sacrifice. Your fund takes 15% contributions tax. Salary sacrifice is cut back if your employer super plus sacrifice would go over the $32,500 concessional cap. Earnings are taxed at an assumed effective 7%, then fees come off. Your salary grows 3.7% a year by default.

Results are in today's dollars, worked out the way ASIC requires of every super calculator: future dollars are divided by 3.7% a year while you're working (wage inflation) and 2.5% a year in retirement (price inflation). With the defaults (age 35, $80,000 in super, $90,000 salary), you'd retire at 67 with about $569,915 in today's dollars, or $1,822,763 in 2058 dollars. Spread from 67 to 92, ASIC's default planning age, that balance could pay about $34,352 a year in today's dollars before any Age Pension.

Why wage inflation, not just prices?

Dividing by wage growth while you work compares your future balance with today's wages and living standards, which is what matters if you want to keep living the way you do now. Dividing by prices alone would show a bigger number: $827,116 with the same defaults. You can change both rates in the form.

In retirement we draw your chosen income at the start of each year. The balance keeps earning the same return after fees, with no tax on earnings (an assumption for a retirement-phase pension). The ASFA Retirement Standard (June quarter 2026) puts a comfortable retirement at $56,166 a year for a single homeowner and $78,998 for a couple, and a modest one at $36,548 and $52,690. The Age Pension (from age 67) isn't included, so super alone runs out sooner than your full retirement income would.

General information only, not financial, tax or credit advice. Check your situation with the ATO, your state revenue office or a licensed adviser.

Super and retirement FAQs

How much super do I need to retire comfortably?

ASFA says $630,000 for a single homeowner and $730,000 for a couple at 67, in today's dollars. That assumes you also get a part Age Pension and spend the whole balance. On its own, without the pension, $630,000 drawing $56,166 a year lasts about 14 years here.

How long will my super last?

It depends on the income you draw and your returns. With the default inputs, $569,915 at 67 drawing ASFA's comfortable $56,166 a year lasts about 12 years, to age 79, before any Age Pension. Drawn evenly to 92, it pays about $34,352 a year.

Why is the result lower than other calculators?

Because it's in today's dollars, using ASIC's default rates: 3.7% wage inflation while you work and 2.5% price inflation in retirement. With the defaults, that's $569,915 at 67. The same balance is $1,822,763 in 2058 dollars, or $827,116 divided by price inflation alone.

How much difference does salary sacrifice make?

With the defaults, an extra $5,000 a year (rising with wages) adds about $191,596 in today's dollars by 67, after the 15% contributions tax. Your employer super plus sacrifice must stay within the $32,500 concessional cap.

Do fees really matter?

Yes. With the defaults, an extra 0.5% a year in fees leaves you about $55,156 less at 67 in today's dollars. Compare your fund's fees and costs summary with Moneysmart's defaults of $59 a year plus 0.11%.

When can I get my super and the Age Pension?

You can usually take your super from 60 (your preservation age, if you were born after 30 June 1964) once you retire, or at 65 even if you keep working. The Age Pension starts at 67 and is means-tested. Check your rate with Services Australia.