Superannuation calculator
See where your superannuation is headed – then keep scrolling. There’s a free guide waiting for you.
Your details
Fund assumptions
Enter a custom rate or press "See your projection" on a fund card below to load its exact return. Max 20%. Net of earnings tax and investment fees.
Fund fees
These deductions are applied each year. Scroll down to load a specific fund's fees automatically.
Inflation and income
General information only - not financial advice. Results shown in today's dollars, adjusted for inflation. Investment return figures are net of earnings tax and investment fees. When a specific fund is selected, that fund's estimated admin fees and insurance premium are deducted annually - these are approximate figures based on APRA data and SuperRatings SR Balanced (60-76) Index to December 2025; always check your fund's PDS for exact fees. Employer contributions subject to 15% contributions tax. Concessional contributions cap $30,000 (2025-26). Does not account for salary growth, government co-contributions, or changes to legislation. ASFA comfortable retirement benchmark $595,000 single (Dec 2025 quarter, assumes home ownership). SGR 12% from 1 July 2025. Actual outcomes will differ. Consider speaking with a licensed financial adviser.
MARCUS TODAY - SUPERANNUATION INSIGHTS
Most Australians will retire with a fraction of what they need. Are you one of them?
Get Marcus Padley's free guide on the retirement gap, the mistakes most people make, and what actually moves your superannuation balance - plus see where you stand when we release our community report.
Super fund rates - how does yours compare?
All returns shown are for the Balanced investment option (60-76% growth assets) net of investment fees and tax, over 10 years to 31 December 2025.
Press “See your projection” to load a fund’s rates into the calculator above.
Top performing industry funds
Industry fund data sourced from SuperRatings SR Balanced (60-76) Index to 31 December 2025. Returns shown are 10-year p.a. net of investment fees and tax, for the Balanced investment option (60-76% growth assets). Past performance is not a reliable indicator of future results. Admin fee and insurance estimates are indicative only and vary by balance size, age and cover type - always check your fund's current PDS for exact figures. Projections generated by the calculator above are estimates only. General information only - not financial advice. Data updated annually in July after APRA publishes financial year data.
What does your superannuation calculator result actually mean?
Running the numbers replaces vague anxiety with specific clarity. Most people have a rough sense they should be doing more. A projection makes it real.
The gap between where most Australians end up and where they need to be is larger than most expect. The median super balance at retirement is around $165,000 for women and $220,000 for men. You do not need to be a mathematician to see the problem. Marcus free guide above walks through what to do about it.
How to grow your super faster
Most Australians are in a default fund and have never changed it. A handful of simple decisions make a significant difference over time. None require a financial adviser. Most take five minutes.
How much super do you need to retire in Australia?
The honest answer depends entirely on who you are and what you want. But there is a number most people land on, and most people are not on track to hit it. The gap is bigger than most expect – and more closeable than most realise.