Superannuation Calculator
Updated on 20 Oct 2026 for the 2026-27 tax year · Checked by Aotob
On A$90,000 with 12% super from age 30, you could have about A$2,371,999 at 67.
That assumes 6.5% a year after investment fees and tax, 3% pay rises, and the 15% tax on contributions. It is in future dollars, not today’s.
Super at 67
A$2,371,999in 37 years
Adding 1% more of your pay would give you about A$162,962 more at 67.
Show the working
This year: 90,000 × 12% = 10,800 (cap 32,500) − 15% tax = 9,180
Each year: balance × (1 + 6.5%) + contributions − 100 fees
After 37 years = 2,371,999
How your A$2,371,999 builds up
Balance by age
| Age | Put in | Balance |
|---|---|---|
| 40 | 105,238 | 218,138 |
| 50 | 246,670 | 602,189 |
| 60 | 436,742 | 1,389,847 |
| 67 | 607,479 | 2,371,999 |
Questions people ask
How much super does my employer pay?
The super guarantee is 12% of your ordinary earnings from 1 July 2025, paid on top of your salary. From 1 July 2026 employers must pay it on every payday.
How much can I put into super before tax?
A$32,500 a year in 2026-27, including your employer’s 12%. Contributions within the cap are taxed at 15% instead of your marginal rate. Unused cap from the last five years can carry forward if your balance is under A$500,000.
Is the result in today’s dollars?
No, it is in future dollars. Prices will be higher by then, so the same balance will buy less than it would today.
Updated 20 Oct 2026Tax year 2026-27Source: ATO super guarantee rate and contribution capsChecked by AotobAn estimate, not financial adviceReport an issue