Superannuation Guarantee (%12) & Retirement Projector
Project your super balance at age 60-67 based on 12% mandatory employer contributions, compounding investment returns, and concessional tax.
Project your super balance at age 60-67 based on 12% mandatory employer contributions, compounding investment returns, and concessional tax.
Project your super balance at age 60-67 based on 12% mandatory employer contributions, compounding investment returns, and concessional tax. Calculate exact, penny-accurate projections compliant with 2026 ATO • Reserve Bank of Australia (RBA) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Estimated annual retirement drawdown: $71,450.31/year (~$1,374.04/week)
Future Value = Initial Balance × (1 + r)^n + Annual Contribution × [((1 + r)^n - 1) / r]Projects your superannuation balance at retirement based on 12% employer SG contributions, concessional tax rate (15%), estimated investment return, and management fees.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual ATO tax rates, superannuation rules, RBA cash rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult an ASIC-licensed financial advisor or CPA prior to executing financial commitments.
The Superannuation Guarantee (SG) is currently 12.0%. Employers are legally required to contribute this percentage of your ordinary earnings into your super fund.
Earnings within an accumulation superannuation fund are taxed at a concessional rate of up to 15%, which is significantly lower than typical individual marginal tax rates.
You can access your superannuation once you reach your preservation age (between 55 and 60 depending on birth year, currently 60 for most workers) and permanently retire, or upon reaching age 65.
You can access your super once you reach your preservation age (age 60 for anyone born after 1 July 1964) and permanently retire, or upon reaching age 65 regardless of employment status.
Calculate net take-home pay across weekly, fortnightly, monthly and annual periods with updated Stage 3 tax cuts, Medicare Levy (2%), and 12% Superannuation.
Calculate compulsory HECS/HELP repayments based on your Repayment Income (1% to 10% tiers) and estimate annual inflation indexation impacts.
Estimate your 2% Medicare Levy, low-income threshold phase-in relief, and Medicare Levy Surcharge (MLS 1% to 1.5%) if you do not have private hospital cover.