Project your super balance using the 12% super guarantee, voluntary contributions, contributions tax, fees and the concessional cap. An estimate only, not advice.
Estimate only. Not financial, tax or legal advice. Nothing you type leaves your browser.
Checked Nov 2026. Rules change every year, so confirm against the official source before you act.
Spotted something out of date? Use the report form below the FAQ.
The super guarantee stays at 12% of ordinary time earnings in 2026-27, paid by your employer on earnings up to the maximum contribution base.
The concessional (before-tax) cap is $32,500 for 2026-27, up from $30,000 in 2025-26. Unused amounts can be carried forward for 5 years if your balance is under $500,000.
Concessional contributions are taxed at 15% when they enter the fund, and an extra 15% (Division 293) can apply to high earners. This calculator applies 15% to contributions.
No. It is a projection using your inputs. See a licensed adviser or ATO and MoneySmart tools for personal advice.