🦘 Super & Retirement Projector
Where does your super actually land by retirement - and how much difference does an extra $100 or $200 a month of salary sacrifice really make? This projector compounds your balance year by year to your chosen retirement age, checks the concessional contributions cap and the Division 293 threshold, and shows the baseline against the with-sacrifice path side by side.
Compounds your opening balance, the Super Guarantee and any extra sacrifice one year at a time to your chosen retirement age.
Flags it the moment SG plus your extra sacrifice would exceed the concessional contributions cap, or cross the Division 293 income threshold.
No hidden inflation adjustment - every figure is labelled nominal, so you know exactly what assumption you're looking at.
It depends on your marginal tax rate versus the 15% contributions tax, your time to retirement, and the assumed return - the projector shows the actual dollar gap for your own numbers rather than a generic rule of thumb.
The calculator always uses the current ATO figure and checks your SG plus extra sacrifice against it live - see the cap warning right under your inputs.
Described calculations from your inputs - not tax or financial advice.