Superannuation Calculator Australia 2025
Calculate employer Superannuation Guarantee (SG) contributions at 11.5% and project your super balance at retirement age 67 using a 7% annual return assumption.
Your Details
Superannuation Result
Come utilizzare Superannuation Calculator Australia 2025
Enter your salary
Enter your annual gross salary (before tax). The Superannuation Guarantee (SG) rate for 2024-25 is 11.5%.
Add your current age and super balance
Enter your current age and existing superannuation balance. Retirement is projected at age 67. The model uses a 7% annual return on investments.
Suggerimenti
- Salary sacrifice into super reduces your taxable income. Contributions are taxed at 15% instead of your marginal rate — a significant saving for higher earners.
- Super funds offer different investment options (high growth, balanced, conservative). Younger workers generally benefit from higher-growth options.
- Check your super fund at least annually. Consolidating multiple accounts avoids paying duplicate fees.
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.