Proj. Balance —
SG Contribution / yr —

Balance Projection

See how your super grows until retirement using compound returns.

SG Rate: 12% from 1 Jul 2025 · Final legislated rate
Your Details
yrs
yrs
$
$
%
$ /yr
$ /yr
Assumptions
Projected Balance at Retirement
$0
in today's dollars
—
—
Employer SG total
$0
Investment growth
$0
Voluntary contributions
$0
Fees deducted
$0
Super Growth Over Time
Your balance ASFA Comfortable ($595k)
Balance Milestones

SG Contribution Calculator

Check how much super your employer must contribute.

Max super contribution base: $70,435/quarter ($281,740/year) for 2025-26
Your Earnings
$
%
Your SG Entitlements
Annual SG$0
Per payment period$0
Monthly equivalent$0
Weekly equivalent$0
2025-26 Quarterly Schedule
SG Rate History (10-year)
2014–219.5%
2021–2210.0%
2022–2310.5%
2023–2411.0%
2024–2511.5%
2025–26 ★ Now12.0% — final rate

Salary Sacrifice Calculator

Redirect pre-tax salary into super and pay only 15% contributions tax instead of your marginal rate.

Concessional cap: $30,000/yr (SG + sacrifice + personal deductible)
Your Numbers
$
$ /yr
%
Without sacrifice
With sacrifice ✓
Tax Saving & Super Impact
Annual income tax saving$0
Extra super going in$0
Net cost to take-home$0
Employer SG$0
Total concessional contributions$0
Concessional Cap Usage
SG $0 Sacrifice $0 Cap $30,000

Contribution Caps 2025–26

Check whether your contributions are within ATO limits.

Excess concessional: taxed at marginal rate · Excess non-concessional: taxed at 47%
Concessional (Before-Tax)
$
%
$
$
Non-Concessional (After-Tax)
$
$
Concessional Cap ($30,000)
$0 used$30,000 cap
Employer SG$0
Salary sacrifice$0
Personal deductible$0
Total concessional$0
Remaining cap space$30,000
Non-Concessional Cap ($120,000)
$0 used$120,000 cap
Non-concessional contributions$0
Remaining cap space$120,000
Bring-forward eligible?—
3-year bring-forward cap$360,000
2025–26 Key Caps Reference
Cap TypeAmount
Concessional (before-tax)$30,000/yr
Non-concessional (after-tax)$120,000/yr
Bring-forward (3 years)$360,000
Transfer balance cap$2,000,000
Max SG base (quarterly)$70,435

Division 293 Tax

An additional 15% tax on concessional super contributions for high earners. Total contributions tax becomes 30% on the affected portion.

Threshold: $250,000 (income + concessional contributions)
Your Situation
$
$
$
$
Calculating…
$0
additional Division 293 tax
Division 293 Breakdown
Taxable income$0
Total concessional contributions$0
Division 293 income (sum)$0
Threshold$250,000
Amount subject to Div 293$0
Standard 15% contributions tax$0
Div 293 additional 15%$0
Total tax on contributions$0
Effective rate on contributions15%

Government Co-Contribution

The government matches 50c for every $1 of personal after-tax contributions, up to $500, for eligible low-to-middle income earners.

Phases out between $45,820 and $60,820 (2025–26)
Your Details
$
$
Co-Contribution
$0
paid by the government into your super
Eligibility & Calculation
Your income$0
Lower threshold$45,820
Upper threshold$60,820
Eligible?—
Co-contribution rate—
Max co-contribution available—
Your contribution qualifies for—
Estimated co-contribution$0
Also: Low Income Super Tax Offset (LISTO)
LISTO eligible (income < $37,000)?—
LISTO amount (up to $500)$0

LISTO is a refund of the 15% contributions tax paid on concessional contributions. It's paid automatically by the ATO — no claim required.

Retirement Income Calculator

See how long your super lasts and what annual income you can draw.

ASFA Comfortable Standard: $51,814/yr single · $72,663/yr couple (2024–25)
Your Retirement
$
yrs
yrs
$ /yr
0 years
retirement funded by your super
—
Retirement Summary
Opening balance$0
Annual drawdown$0
Years in retirement0
Super exhausted at age—
Age Pension (approx. single/yr)~$28,514
ASFA Comfortable (single)$51,814/yr
ASFA Modest (single)$33,134/yr
Drawdown Schedule (every 5 years)
AgeBalanceDrawdown

Fee Impact Calculator

Even small fee differences compound dramatically. A 0.85% fee difference on $100k over 30 years can cost over $100,000.

A 1% annual fee on $200k balance = $2,000/yr — every year, compounding
Your Setup
$
$
yrs
Compare Two Funds
$0
total cost of higher fees over 30 years
Low-fee fund
0.15%
$0
Fees: $0
Higher-fee fund
1.00%
$0
Fees: $0
Annual Fee Cost by Balance
Balance0.15%/yr1.00%/yrExtra cost

⚠️ Estimates only. Based on 2025–26 ATO superannuation rules (SG 12%, concessional cap $30,000, non-concessional cap $120,000, transfer balance cap $2M, Division 293 threshold $250,000). Projections assume constant returns and do not account for insurance premiums, variable fund fees, or defined benefit schemes. Not financial advice — consult a licensed financial adviser. Sources: ATO · ASIC MoneySmart · ASFA