Retirement projection calculator

Project your super balance and retirement income. Every assumption is editable — no hidden defaults like Canstar or MoneySmart.

Built on 2025-26 ATO rates · Last reviewed April 2026

Current age

Retirement age

Age Pension age is 67

Current super balance

Annual salary (pre-tax)

SG rateATO: 12% from Jul 2025

Legislated 12% from 1 July 2025

Extra annual contributions

Pre-tax (taxed 15% on entry)

Expected return (before fees)APRA balanced median

APRA 10-year balanced option median ~ 6.7% nominal

Total fees (incl. indirect)

MySuper median ~0.85%

Wage / price inflation

RBA long-run target band

Balance at 67 (today's dollars)

$744,147

Adjusted for inflation — what that money buys in today's terms.

Balance at 67 (future dollars)

$1,639,919

Before inflation — the raw number on your statement.

Indicative annual income

$29,766

4% withdrawal rule, today's dollars. Age Pension on top if eligible.

Against the ASFA Retirement Standard

Modest single$33,386/yr

$3,620/yr short

Comfortable single$53,289/yr

$23,523/yr short

Comfortable couple$75,319/yr

$45,553/yr short

ASFA Retirement Standard, June 2025 quarter. Comparison is your 4% safe withdrawal income vs ASFA's annual benchmarks — excludes Age Pension, which most retirees also receive.

Method. Employer contributions = salary × SG × 85% (after the 15% concessional contributions tax). Pre-tax extras are taxed at 15% on entry; post-tax extras aren't. Balance compounds at 6.7% minus 0.85% fees each year. Salary grows with inflation. Results are projections, not guarantees.

Opens straight into Excel, Numbers or Google Sheets

Where these numbers come from

Keep reading

How super works — the full guide →

General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.