Superannuation Retirement Calculator
See how your super balance will grow by retirement at the 12% Super Guarantee rate, and benchmark against the ASFA Comfortable Retirement Standard.
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 much super do I need to retire in Australia?
The ASFA Comfortable Retirement Standard suggests a couple needs around $690,000 in super at retirement (single: ~$595,000), assuming they own their home and receive a part Age Pension. The 'modest' standard is much lower (~$100,000).
When can I access my super?
You can access super at your preservation age (60 for anyone born after 1 July 1964) once you've retired, or unconditionally from age 65.
Is super income tax-free in retirement?
Yes — once you're 60 or over and in retirement phase, lump sums and pension payments from a taxed super fund are generally tax-free.