Superannuation Calculator Australia 2025
Calculate your Superannuation Guarantee contributions (SG) at 11.5% on employer's behalf, projecting your balance to retirement age of 67 with an annual return of 7%.
Your Data
Superannuation Result
Come utilizzare Superannuation Calculator for Australia 2025
Insert your salary
Insert your gross annual salary (before taxes). The Superannuation Guarantee (SG) rate for 2024-25 is 11.5%.
Add your current age and outstanding balance.
Insert your current age and existing balance. Retirement is projected at age 67. The model uses an annual return of 7% on investments.
Suggerimenti
- Salary sacrifice reduces your taxable income by up to 15%. Contributions are taxed at a flat rate of 15%, rather than your marginal tax bracket, resulting in significant savings for higher-income earners.
- Funds offer various investment options with high growth, balanced, and conservative returns. Younger workers generally benefit from higher growth options.
- Check your overdraft limit at least once a year. Consolidating multiple accounts avoids double commissions.
Domande frequenti
What is the Superannuation Guarantee rate?
The SG rate for 2024-25 is 11.5%. It will increase to 12% from 1 July 2025. Employers must pay SG contributions at least quarterly into an eligible super fund.
Can I make extra contributions?
Yes. You can make concessional (pre-tax) contributions up to $30,000/year (including employer SG) or non-concessional (after-tax) contributions up to $120,000/year. Salary sacrifice is a popular strategy.
When can I access my super?
Generally you can access super when you reach your preservation age (60 for those born after June 1964) and retire, or when you turn 65 regardless of employment status.
What is a low-income super contribution?
The Low Income Super Tax Offset (LISTO) pays up to $500 into your super if your income is $37,000 or less. It effectively refunds the tax paid on concessional contributions.