// SUPER
Retirement Projection
Calculator
Project your super balance at retirement and see how long your money will last. Model SG contributions, investment returns, fees, inflation-adjusted drawdown, career breaks, and lump sum contributions.
// COUPLE_MODE
Add a partner to model combined retirement
// YOUR_SUPER
Accumulation phase
Current age35 yrs
Target retirement age67 yrs
Current super balance$80k
Annual salary (gross)$95k
Extra annual contributions$0
// ONE_OFF_CONTRIBUTIONS
Lump sum injections — inheritance, property sale, bonus, etc.
No one-off contributions added. Click below to model a lump sum entering your super at a specific age.
// CAREER_BREAK
Non-working period — parental leave, study, carer role, illness
// ASSUMPTIONS
Returns, fees, and inflation
Investment return (p.a.)7.5%
Annual fund fees (MER)0.60%
Inflation rate2.5%
// DRAWDOWN_PHASE
How you'll spend your retirement
Annual retirement income needed$60k/yr
Life expectancy90 yrs
// CONCESSIONAL_CAP
FY2025 limit: $30,000 p.a. (employer SG + extra)
If cap is exceeded, treat excess as:
Pay excess tax
Carry-forward space
Excess taxed at marginal rate with 15% offset. Contributions still enter super — penalty is a personal cash cost.
Super balance at age 67
$1.68m
$763k in today's dollars · After 32 years of growth
✓ Fully funded to age 90
$3.88m surplus
Remaining balance at age 90
SG contributions p.a.
$10,925
11.5% employer SG
Net contributions p.a.
$9,286
After 15% contributions tax
Net return rate
6.90%
7.5% return less 0.6% fees
Retirement income
$60,000/yr
$5,000/month, indexed
// ACCUMULATION_CHART
Projected balance over time to age 67
// ACCUMULATION_PHASE
Key years to age 67 (sampled)
| Age | Opening | Contribs | Growth | Closing |
|---|---|---|---|---|
| 36 | $80k | $9k | +$6k | $95k |
| 39 | $128k | $9k | +$9k | $146k |
| 42 | $186k | $9k | +$13k | $208k |
| 45 | $257k | $9k | +$18k | $284k |
| 48 | $343k | $9k | +$24k | $376k |
| 51 | $449k | $9k | +$31k | $489k |
| 54 | $579k | $9k | +$40k | $628k |
| 57 | $737k | $9k | +$51k | $797k |
| 60 | $930k | $9k | +$64k | $1.00m |
| 63 | $1.17m | $9k | +$80k | $1.26m |
| 66 | $1.45m | $9k | +$100k | $1.56m |
| 67 | $1.56m | $9k | +$108k | $1.68m |
// DRAWDOWN_PHASE
After retirement at age 67 (sampled)
| Age | Opening | Income drawn | Return | Closing |
|---|---|---|---|---|
| 68 | $1.68m | −$60k | +$116k | $1.74m |
| 70 | $1.79m | −$63k | +$124k | $1.86m |
| 72 | $1.92m | −$66k | +$132k | $1.99m |
| 74 | $2.05m | −$70k | +$142k | $2.13m |
| 76 | $2.20m | −$73k | +$152k | $2.28m |
| 78 | $2.36m | −$77k | +$163k | $2.45m |
| 80 | $2.54m | −$81k | +$175k | $2.63m |
| 82 | $2.73m | −$85k | +$189k | $2.84m |
| 84 | $2.95m | −$89k | +$203k | $3.06m |
| 86 | $3.18m | −$94k | +$219k | $3.31m |
| 88 | $3.44m | −$98k | +$237k | $3.58m |
| 90 | $3.72m | −$103k | +$257k | $3.88m |
General information only. Constant rate of return — no sequence-of-returns risk. Does not account for the Age Pension, tax on withdrawals (tax-free after 60), or legislative changes. Concessional cap FY2025: $30,000. Non-concessional cap: $110,000. Career break models zero SG for the nominated years — Paid Parental Leave government SG contributions not modelled. Spouse contributions may attract an 18% tax offset for the contributing spouse subject to income conditions. Super splitting is capped at 85% of concessional contributions and requires fund support. Carry-forward requires total super balance under $500k at 30 June prior year. Not financial advice.