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Superannuation Calculator
Calculate your Australian super balance at retirement with SG contributions and growth
Current legislated rate: 12% (from 1 July 2025)
Additional pre-tax contributions — note SG + sacrifice combined cap: $30,000/yr
15% earnings tax applied internally → effective net return ≈ 5.95%
Quick Tips
- SG rate 2025-26: 12% — this is the final legislated rate, effective from 1 July 2025 (was 11.5% in 2024-25)
- Contributions tax: 15% on all SG and salary sacrifice (concessional) contributions
- Investment earnings inside super taxed at 15% during accumulation (reduces net compounding return)
- Concessional contribution cap 2025-26: $30,000/year (SG + salary sacrifice combined). Non-concessional cap: $120,000/year
- Maximum Super Contribution Base (OTE cap) 2025-26: $250,000/year — employer SG is not required on earnings above this
- Preservation age: 60 for anyone born after 1 July 1964. Tax-free withdrawal from a taxed fund from age 60
- Pre-60 withdrawal (preservation age 55–59, older cohorts): first $260,000 taxable component at 0% (low-rate cap 2025-26); above that at 17%
- Division 293 tax: extra 15% on concessional contributions if income + contributions exceed $250,000