MoneyMilestones
Super projection · 2026-27

How much super will you retire with?

Project your super balance to retirement from your salary, employer contributions and returns — and see roughly what income it could provide. Add extra contributions to watch the difference.

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Your details

yrs
yrs
Advanced assumptions
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At retirement

Projected balance at 67
$0
in today's dollars (adjusted for inflation)
Contributions + today's balance
Investment growth

Your super over time

Year-by-year breakdown

Want to boost this? Salary sacrifice is taxed at just 15% inside super — model it in our salary sacrifice calculator.

Common questions

How is my super projected?
Each year we add your employer contributions (12% of salary) plus any extra you contribute, minus the 15% contributions tax, then grow the whole balance by your return net of fees. Salary grows each year too. It runs until your chosen retirement age.
Is the projected balance in today's dollars?
Yes. Following the same approach as ASIC's MoneySmart calculator, we show your balance in today's dollars — the projected future balance is discounted back by wage inflation (3.7% a year by default, editable under Advanced) so the figure reflects real spending power. Your salary and contributions are also assumed to grow with wage inflation, and the ASFA income comparison is likewise in today's dollars.
How much super do I need to retire?
It depends on your lifestyle. The ASFA 'comfortable' standard for a single is roughly $52,000 a year, which combines super drawdowns and often a part Age Pension. This tool shows an indicative 5% drawdown so you can gauge whether you are on track.
Should I add extra contributions?
Salary sacrificing into super is taxed at just 15% instead of your marginal rate, so it can be very tax-effective — within the $32,500 concessional cap. Add an amount here to see the difference, then model the tax saving in our salary sacrifice calculator.