Projection Calculator

Enter your details

Please enter your age (between 16 and 75)
Please enter your income (between $0 and $299,999)
Please enter your super balance (between $0 and $2,000,000)
AND / OR

Your spouse details

Please enter your spouse's age (between 16 and 75)
Please enter your spouse's income (between $0 and $299,999)
Please enter your spouse's super balance (between $0 and $2,000,000)
AND / OR

Your projection

  • $400,000

    Retirement balance

  • $52,000

    income in retirement

  • 86

    super runs out at

  • 95

    Your life expectancy

  • 4
    Years

    Gap

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Super runs out at 91 Life expectancy 95

SUPER BALANCE

INCOME IN RETIREMENT

$46,000 p.a.
 What's this
  • income from your super
  • income from your spouse's super
  • income from the age pension
Your retirement age
Spouse retirement age

Extra contributions

Extra spouse contributions

Working part-time

from YRS
OLD

(e.g. 80% is 4 days a week)

from to YRS
OLD

Working part-time spouse

form YRS
OLD

(e.g. 80% is 4 days a week)

from to YRS
OLD

Are you planning on taking parental leave, a career break or reducing your working hours?

Yes

Your actions

Assumptions

of salary

investment returns

Investment option Target return: CPI + Investment time Risk of negative return Super Pension
High Growth 4.5% 10 years Between 4 and 6 years in 20
High Growth 4.5% 10 years Between 4 and 6 years in 20
Socially Responsible 4% 10 years Between 4 and 6 years in 20
Socially Responsible 4.0% 10 years Between 4 and 6 years in 20
Growth 4% 10 years Between 4 and 6 years in 20
Growth 4.0% 10 years Between 4 and 6 years in 20
Balanced 3.5% 10 years Between 4 and 6 years in 20
Balanced 3.5% 10 years Between 4 and 6 years in 20
Balanced 3.5% 10 years Between 4 and 6 years in 20
Moderate 3% 6 years Between 3 and 4 years in 20
Moderate 3.0% 6 years Between 3 and 4 years in 20
Conservative 2% 4 years Between 2 and 3 years in 20
Conservative 2.0% 4 years Between 2 and 3 years in 20
Capital Defensive 1.5% 2 years Between 0.5 and 1 year in 20
Capital Defensive 1.5% 2 years Between 0.5 and 1 year in 20
Cash RBA cash rate 0+ years Less than 0.5 years in 20
Cash RBA cash rate 0+ years Less than 0.5 years in 20
Cash RBA cash rate 0+ years Less than 0.5 years in 20

The calculator makes the following assumptions:

  1. Your salary and percentage contributions increase each year with salary inflation at a default rate of 3.2% pa. The actual salary inflation rate may differ significantly. You can change the rate of salary inflation in the assumptions screen. Fixed dollar amounts of contributions do not increase with salary inflation.
  2. Your retirement income is subject to price inflation at a default rate of 2.5% pa and is paid annually at the end of each financial year. It is set at the default income of the current ASFA retirement standard for a comfortable lifestyle for either a single (or a couple if you included your spouse) but this can be changed by you if you move the slider on the Income in Retirement Graph.
  3. A nominal investment return rate of 6.1% p.a. for the Balanced option is used unless otherwise changed in the assumptions screen. The actual investment rate may differ significantly.
  4. Results are shown in today's dollars. This means this calculator estimates an amount payable at a future time and has been adjusted to include price inflation to assume changes in the cost of living. The salary inflation, price inflation and investment rates are fixed for the term of the calculation. In the real world this is not the case, salary inflation, price inflation and investment rates fluctuate.
  5. If you choose the Cash or Capital Defensive investment options your returns may not always keep pace with price inflation and are less likely to keep pace with salary inflation.
  6. Default employer SG contributions of 9.5% up to 12% by 1 July 2025 unless the after tax contributions are 4.5% or higher in which case the greater of the SG contribution rate and 10% applies; the greater of the SG contribution rate and 10% also applies to Police Officers making compulsory personal contributions.
  7. Administration fees are paid from your balance each year and are subject to price inflation. Administration fees have been calculated as $70.20 per year plus 0.05% of your account balance (capped at $325 per year).
  8. Insurance costs are paid from your balance yearly and are subject to salary inflation. The default cost for Death and Total & Permanent Disablement (TPD) Insurance is $117 per year based on a premium of $0.75 per unit, per week for your first three Standard units. Income Protection (IP) Insurance premiums are determined by your age last birthday and waiting period duration. The calculation uses the age you enter and the premiums for the default 30 day waiting period. For the purpose of your IP cover, your notional salary may be capped by the Automatic Acceptance Limit ($122,000) or the Maximum Salary Cap ($584,000), but these limits have not been applied in the calculator. In addition the 90 day waiting period premiums have not been applied in the calculator. More information on Death and TPD and IP premiums is available here.
  9. Investment earnings are compounded at 1 July each year.
  10. 15% tax has been deducted from your entire retirement balance during your first year of retirement as an estimate of the tax payable. This may be lower or higher than the tax that will apply to your balance at retirement.
  11. The calculator will automatically use the default amount of $15,000 as your "current balance", unless you choose to enter your own current balance. To enter in your current balance you can obtain a current figure as at today's date from the Member login page). Please note that no tax has been calculated on the balance used by the calculator in respect of your projection.
  12. Life expectancy is based on population mortality in the Australian Life Tables 2010-2012.
  13. A Tax File Number has been provided.
  14. There is a $1.6 million Transfer Balance Cap on the total amount of superannuation savings that can be transferred from a concessionally taxed 'accumulation account' to a tax-free 'retirement account'. Only the retirement balance to the value of the Transfer Balance Cap is used. Any superannuation savings accumulated in excess of the cap will remain in the accumulation stage, where the earnings will be taxed.
  15. Current Centrelink Age Pension eligibility rules apply.
  16. The calculator will assess the Centrelink Age Pension entitlements and eligibility as a couple if the partner's details have also been included.
  17. In applying the Centrelink Asset Test, the calculator assumes you own your own house and that you have no other income or assets
  18. In applying the Centrelink Income Test, the calculator allows for the income from financial assets (deemed assets and non-deemed assets).
  19. The assumptions used in this calculator are based on the rules of the relevant fund, the applicable legislative schemes including current tax legislation, appropriately determined rates of return, salary inflation and general inflation and are therefore considered reasonable for the purposes of working out the estimate.
  20. This calculator projects to a maximum age of 110. If your calculated super balance exceeds beyond this age, the "Your Projection" area will show that your super runs out at age 110. Hover on the Super Balance graph for your projected balance at age 110.

The calculator makes the following assumptions:

  1. Your salary and percentage contributions increase each year with salary inflation at a default rate of 3.2% pa. The actual salary inflation rate may differ significantly. You can change the rate of salary inflation in the assumptions screen. Fixed dollar amounts of contributions do not increase with salary inflation.
  2. Your retirement income is subject to price inflation at a default rate of 2.5% pa and is paid annually at the end of each financial year. It is set at the default income of the current ASFA retirement standard for a comfortable lifestyle for either a single (or a couple if you included your spouse) but this can be changed by you if you move the slider on the Income in Retirement Graph.
  3. A nominal investment return rate of 5.5% p.a. after tax for the Balanced option is used unless otherwise changed in the assumptions screen. The actual investment rate may differ significantly.
  4. Results are shown in today's dollars. This means this calculator estimates an amount payable at a future time and has been adjusted to include price inflation to assume changes in the cost of living. The salary inflation, price inflation and investment rates are fixed for the term of the calculation. In the real world this is not the case, salary inflation, price inflation and investment rates fluctuate.
  5. If you choose the Cash investment option your returns may not always keep pace with price inflation and are less likely to keep pace with salary inflation.
  6. Default employer SG contributions of 9.5% up to 12% by 1 July 2025 unless the after tax contributions are 4.5% or higher in which case the greater of the SG contribution rate and 10% applies; the greater of the SG contribution rate and 10% also applies to Police Officers making compulsory personal contributions.
  7. Administration fees are paid from the balance each year and are subject to price inflation. Administration fees have been calculated at $70.20 per year plus 0.05% of your account balance (capped at $325 per year).
  8. Insurance costs are paid from your balance yearly and are subject to salary inflation. The default cost for Death and Total & Permanent Disablement (TPD) Insurance is $117 per year based on a premium of $0.75 per unit, per week for your first three Standard units. Income Protection (IP) Insurance premiums are determined by your age last birthday and waiting period duration. The calculation uses the age you enter and the premiums for the default 30 day waiting period. For the purpose of your IP cover, your notional salary may be capped by the Automatic Acceptance Limit ($122,000) or the Maximum Salary Cap ($584,000), but these limits have not been applied in the calculator. In addition the 90 day waiting period premiums have not been applied in the calculator. More information on Death and TPD and IP premiums is available here. Note: Super SA Select members insurance costs are deducted from their Triple S account - an amount equal to the insurance costs will be deducted from the Super SA Select account and paid into the Triple S account but for the purpose of the website calculator the insurance costs will be deducted from the Super SA Select balance.
  9. Taxation of 15% is applied to all future employer and salary sacrifice components.
  10. Investment earnings are compounded at 1 July each year.
  11. The calculator will automatically use the default amount of $15,000 as your "current balance", unless you choose to enter your own current balance. To enter in your current balance you can obtain a current figure as at today's date from the Member login page). Please note that no tax has been calculated on the balance used by the calculator in respect of your projection.
  12. Life expectancy is based on population mortality in the Australian Life Tables 2010-2012.
  13. A Tax File Number has been provided.
  14. There is a $1.6 million Transfer Balance Cap on the total amount of superannuation savings that can be transferred from a concessionally taxed 'accumulation account' to a tax-free 'retirement account'. Only the retirement balance to the value of the Transfer Balance Cap is used. Any superannuation savings accumulated in excess of the cap will remain in the accumulation stage, where the earnings will be taxed.
  15. Current Centrelink Age Pension eligibility rules apply.
  16. The calculator will assess the Centrelink Age Pension entitlements and eligibility as a couple if the partner's details have also been included.
  17. In applying the Centrelink Asset Test, the calculator assumes you own your own house and that you have no other income or assets.
  18. In applying the Centrelink Income Test, the calculator allows for the income from financial assets (deemed assets and non-deemed assets).
  19. Current contribution caps apply, both concessional and non-concessional.
  20. The assumptions used in this calculator are based on the rules of the relevant fund, the applicable schemes' legislation including current tax legislation, appropriately determined rates of return, salary inflation and price inflation. These assumptions are considered reasonable for the purposes of working out the estimate.
  21. This calculator projects to a maximum age of 110. If your calculated super balance exceeds beyond this age, the "Your Projection" area will show that your super runs out at age 110. Hover on the Super Balance graph for your projected balance at age 110.

The calculator makes the following assumptions:

  1. Your retirement income is subject to price inflation at a default rate of 2.5% pa and is paid annually at the end of each financial year. It is set at the default income of the current ASFA retirement standard for a comfortable lifestyle for either a single (or a couple if you included your spouse) but this can be changed by you if you move the slider on the Income in Retirement Graph.
  2. A nominal investment return rate of 5.5% p.a. after tax for the Balanced option is used unless otherwise changed in the assumptions screen. The actual investment rate may differ significantly.
  3. Results are shown in today's dollars. This means this calculator estimates an amount payable at a future time and has been adjusted to include price inflation and price inflation to assume changes in the cost of living. The salary inflation and price inflation and investment rates are fixed for the term of the calculation. In the real world this is not the case, salary inflation, price inflation and investment rates fluctuate.
  4. If you choose the Cash or Capital Defensive investment options your returns may not always keep pace with price inflation and are less likely to keep pace with salary inflation.
  5. Administration fees are paid from the balance each year and are subject to price inflation. Administration fees have been calculated at $70.20 per year plus 0.05% of your account balance (capped at $325 per year).
  6. Insurance costs are paid from the balance each year and are subject to price inflation. Insurance has the default rate of $0.00 per week for death and total and permanent disablement premiums. The investor may elect to take up insurance cover and if they have then they can change the assumptions to add in a premium amount.
  7. Investment earnings are compounded at 1 July each year.
  8. The calculator will automatically use the default amount of $15,000 as your "current balance", unless you choose to enter your own current balance. To enter in your current balance you can obtain a current figure as at today's date from the Member login page). Please note that no tax has been calculated on the balance used by the calculator in respect of your projection.
  9. Life expectancy is based on population mortality in the Australian Life Tables 2010-2012.
  10. A Tax File Number has been provided.
  11. There is a $1.6 million Transfer Balance Cap on the total amount of superannuation savings that can be transferred from a concessionally taxed 'accumulation account' to a tax-free 'retirement account'. Only the retirement balance to the value of the Transfer Balance Cap is used. Any superannuation savings accumulated in excess of the cap will remain in the accumulation stage, where the earnings will be taxed.
  12. Current Centrelink Age Pension eligibility rules apply.
  13. The calculator will assess the Centrelink Age Pension entitlements and eligibility as a couple if the partner's details have also been included.
  14. In applying the Centrelink Asset Test, the calculator assumes you own your own house and that you have no other income or assets.
  15. In applying the Centrelink Income Test, the calculator allows for the income from financial assets (deemed assets and non-deemed assets).
  16. Current contribution caps apply, both concessional and non-concessional.
  17. The assumptions used in this calculator are based on the rules of the relevant fund, the applicable schemes' legislation including current tax legislation, appropriately determined rates of return, salary inflation and price inflation. These assumptions are considered reasonable for the purposes of working out the estimate.
  18. This calculator projects to a maximum age of 110. If your calculated super balance exceeds beyond this age, the "Your Projection" area will show that your super runs out at age 110. Hover on the Super Balance graph for your projected balance at age 110.

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