Super calculators
Twenty-five calculators covering every common super question an Australian asks. Every input is editable, every gov source is linked, and every page is built to be more useful than Canstar, SuperGuide, or the ATO's own tools.
Retirement projection
Project your super balance and retirement income. Every assumption editable — fees, returns, inflation, SG rate.
Contribution cap tracker
The only AU calc that actually computes your carry-forward unused cap. Tracks concessional, non-concessional, bring-forward, and Div 293 risk.
Consolidation savings
Add your funds, see the compounded cost of multiple fee sets at retirement. Dollar numbers, not hand-waving.
Division 293 calculator
Work out the extra 15% tax on concessional contributions for high-income earners ($250k threshold).
Compare super funds
YourSuper data plus asset allocation, insurance, and Choice funds — everything the ATO's tool leaves out.
Transition to retirement (TTR)
Model a TTR pension alongside your salary, including the 15% earnings tax and tax-free drawdowns over 60.
SMSF vs retail cost comparison
Work out the real break-even balance for your situation, with editable admin and audit fee assumptions.
Lost super finder
Step-by-step via myGov — plus what the ATO holds on your behalf that you might not know about.
Salary sacrifice calculator
Exact take-home hit, net into super after 15% (+ Div 293), and the compounded benefit over your working life.
Age Pension calculator
Centrelink assets + income tests, showing which is binding and how much Age Pension you'd actually receive.
Super vs mortgage payoff
Compare paying down the mortgage with after-tax dollars versus salary sacrifice into super — same take-home hit.
Spouse contribution offset
Up to $540 tax offset for contributing $3,000 to a low-income spouse's super. Shows the phase-out between $37k and $40k.
First Home Super Saver calculator
Save up to $50,000 for a deposit inside super at concessional rates. See the exact uplift vs a regular savings account.
Government co-contribution calculator
Contribute $1,000 after-tax, get up to $500 matched. Shows the phase-out between $45,400 and $60,400.
Insurance-in-super cost calculator
What your weekly premium actually costs in retirement savings over 30 years. Compound compounded to show the real trade-off.
Super death benefit tax calculator
How much tax beneficiaries pay on a super death benefit — dependant vs non-dependant, tax-free vs taxable components.
Super drawdown planner
How long will your super last in retirement? Models any target income vs the ATO minimum drawdown rates with year-by-year balance tracking.
Super splitting calculator (divorce)
Split super between separating partners by percentage or flat amount. Shows balances after split and projected to retirement.
Division 296 ($3M super tax) calculator
The new 15% extra tax on balances above $3M starts FY 2025-26. Work out the year you cross, your annual liability, and how much hits unrealised gains.
Super fund underperformance check
Pick your fund, see its 10y net return vs the APRA benchmark, and the dollar cost of staying put. APRA fail-flag built in.
Super vs ETFs calculator
Same pre-tax dollar, two paths: salary sacrifice vs ETFs in your own name. After fees, distributions, and CGT — which actually wins?
Hidden fee audit
Five fees, not one: admin fixed, admin %, investment fee, ICR, transaction costs. Audit your real fee load and the compounded damage.
Catch-up contribution unlock
If your TSB was under $500k, five years of unused concessional cap can roll forward. See the deduction sitting on the table — and the tax saved.
Super gap calculator (career breaks)
Model career breaks, part-time years, and catch-up contributions. See the cost of unpaid care years — and how to claw it back.
Investment property vs super
$700k investment property with leverage vs salary sacrifice. Both compounded 25 years, after CGT, fees, and holding costs. Honest answer.
General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.