Super Balance Projection Calculator
Project your future superannuation balance using the 12% Super Guarantee, your assumed return rate and any extra concessional contributions.
Projected Balance at Retirement
$922,604
After 30 years at 7% p.a. return
Growth Projections
| Year | Balance |
|---|---|
| Year 5 | $112,706 |
| Year 10 | $196,424 |
| Year 15 | $308,193 |
| Year 20 | $457,413 |
| Year 25 | $656,632 |
| Year 30 | $922,604 |
Estimates only. Assumes 15% contributions tax and flat salary. Super investment returns vary. Past returns don't guarantee future performance.
Frequently Asked Questions
How do I project my super balance to retirement?
Future balance = current balance × (1 + r)^years + annual contribution × [((1 + r)^years − 1) / r]. The calculator handles this with the 12% Super Guarantee rate and your assumed return.
What return rate should I use?
A 6–8% long-term annual return is typical for a balanced super fund net of fees and taxes. Conservative funds may return 4–5%; growth or high-growth funds may return 8–10% with higher volatility.