Australia Super Calculator 2026-27

See how much super you could have at retirement

Your age

Retirement age

Current super balance (A$)

Annual salary before tax (A$)

Extra salary sacrifice per year (A$)Concessional, taxed at 15% in the fund

Investment return (% a year)

Fees (% a year)

Balance at retirementA$0in future dollars

In today's moneyA$0after 2.5% inflation

Employer super this yearA$012% super guarantee

Total contributions addedA$0after 15% contributions tax

Assumes salary grows 3.5% a year. Returns are not guaranteed; this is an illustration, not financial advice.

How superannuation works in 2026-27

Your employer must pay the super guarantee of 12% of your ordinary time earnings into your super fund, on top of your salary. From 1 July 2026, under Payday Super, employers pay super at the same time as your wages.

Item	2026-27
Super guarantee rate	12%
Concessional contributions cap	A$32,500
Non-concessional cap	A$130,000
Tax on concessional contributions	15% (30% if income over A$250,000)
Maximum super contribution base	A$270,830 a year

Salary sacrifice

Extra contributions from your pre-tax salary are taxed at 15% in the fund instead of your marginal tax rate, which can save tax for most workers. Employer contributions and salary sacrifice together count towards the A$32,500 concessional cap.

Want your take-home pay too? Use the Australia tax calculator.

Caps and thresholds are indexed figures for 2026-27. Projections use fixed assumptions; actual returns vary. Not financial advice; consider speaking to a licensed adviser.