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Superannuation Calculator for Salary

This salary superannuation calculator is built around the figure most people know off the top of their head — their annual salary — and projects employer contributions, optional voluntary contributions, and investment growth forward to your chosen retirement age.

years
years
$
$
%

Default reflects the superannuation guarantee rate — check your payslip if you're unsure.

%/yr
%/yr
$
Advanced assumptions
%/yr
%/yr

Used to also show your result in today's dollars.

Projected balance at retirement

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Years until retirement

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Total contributions

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Investment earnings

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Projected balance over time

Age → Balance

Year-by-year projection

AgeSalaryEmployerVoluntaryEarningsFeesBalance

From salary to super contribution

Your employer superannuation contribution is calculated as a percentage of your ordinary time earnings, which for most employees is close to (but not always exactly) their base salary — some allowances and overtime are excluded. Enter your salary below and adjust the employer contribution rate if you know your specific arrangement differs from the current superannuation guarantee rate.

Salary growth compounds too

It's not just your super balance that compounds — assumed salary growth compounds as well, which increases your employer's contribution amount in dollar terms every year even if the contribution rate itself doesn't change. Over a multi-decade projection, a higher assumed salary growth rate noticeably increases total employer contributions, so it's worth testing a conservative and an optimistic growth assumption.

Want the full picture? Try the main Superannuation Calculator, browse all calculators, or readhow superannuation works.