How this calculator is built
Built by an Australian Chartered Accountant — the same engine the paid NestWise dashboard runs. Every rate table is verified against the source below every 1 July, 20 March, and 20 September and covered by a 200+ scenario regression suite.
How the projection works
The calculator applies compound growth over the years between your current age and your nominated retirement age:
- Compulsory contributions — 12% of your gross salary lands in super each year.
- 15% contributions tax — all concessional contributions (SG + salary sacrifice) are taxed at 15% on the way in.
- Concessional cap (2026-27) — combined SG + salary sacrifice is capped at $32,500. Over-cap triggers Div 293 tax or carry-forward (flagged in your result).
- Growth — default net 5.5% p.a. (balanced fund long-term average, fees deducted). Change it in the form.
Track this over time — Family tier
Turn this projection into an ongoing view.
Auto-hydrate balance + salary from your profile, salary-sacrifice slider, co-contribution + spouse-offset windows, fund-fee vs balance check, contribution-cap watch. Same $20/yr Family tier.
Open your super hub →Related free tools
Once your super picture is clearer, the other retirement-runway levers most Australians miss are their Age Pension eligibility, the deductions they can claim, and how much extra a small repayment adds to a home loan.
Projection only — assumes salary + contribution rate + growth stay constant, and ignores insurance premiums, adviser fees, and inflation. Actual returns vary. Not financial advice.