WORKING WEALTH / AUSTRALIA

Super contributions & balance

Explore before-tax contributions, fees, time and hypothetical super growth.

Read the lesson → Maths & Excel walkthrough →

Educational scenarios only. All amounts are AUD. These calculations do not assess your circumstances or recommend a product or strategy. Results are estimates, not forecasts or personal financial, credit or tax advice. Inputs stay in your browser and are not saved automatically. The optional Save control stores a scenario on this device; exported files contain your entered amounts. Check official rules and actual provider terms. Prepared by the Working Wealth editorial team, 1 November 2026; independent professional review is pending.

Assumptions and limits

Constant annual contributions, credited at year end after the selected contributions tax. Return is after assumed earnings tax but before fees. Percentage fees apply to opening balance; a fixed annual fee is then deducted. No insurance, wage growth, government payments, Division 293, low-income offsets, excess-contribution tax or withdrawals. Negative balances are floored at zero. Figures are nominal except the inflation-adjusted result. This is not a salary-sacrifice tax-saving or employer-obligation calculator.

References and verification

Official references checked for this release on 1 November 2026. Rules and product terms can change.