Australian Superannuation Calculator
Super Guarantee Growth (11.5% → 12.0%) • $30,000 Concessional Cap • 15% Fund Tax • Tax-Free Drawdown
Your Super Profile
Statutory Super Guarantee parameters and compounding assumptions.
Subject to the $30,000 annual concessional contributions cap (taxed at 15% inside fund).
Future estimated retirement nest egg (100% tax-free in pension phase from age 60).
5-Year Interval Nest Egg Trajectory
| Age | Annual Salary | Net Annual Inflow | Annual Return | Projected Balance |
|---|
Understanding Australia's Superannuation System
Super Guarantee (SG) Statutory Schedule
Australian employers are legally obligated to contribute a percentage of your ordinary time earnings (OTE) into your super fund. The Super Guarantee rate is 11.5% for the 2024/2025 financial year, and legislated to rise to its target ceiling of 12.0% on 1 July 2025.
Tax Rates in Accumulation vs Pension Phase
Inside super during the accumulation phase, concessional contributions and fund earnings are taxed at a flat concessional rate of 15% (compared to individual marginal tax rates up to 47%). Once you reach your preservation age (age 60) and convert your super into an Account-Based Pension, both investment earnings and pension income payments become 100% tax-free.
Next Steps & Related Australian Calculators
Strengthen your financial plan with these interconnected statutory computational models.
Salary Sacrifice to Super
Maximize the 15% tax arbitrage up to the $30,000 cap.
Account-Based Pension Drawdown
Plan tax-free retirement drawdowns after age 60.
Centrelink Age Pension
Model Age 67 assets & income test deeming rules.
Australian FIRE & Super Bridge
Build an ETF bridge to your super preservation age.