Superannuation for Australian householdsAre we going to have enough?

Super is the largest asset most Australians will ever own and the one they look at least. A projection turns an abstract balance into a number you can do something about while there is still time.

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Project your super

Across every fund, if you have more than one.

Used for the 12% Super Guarantee and your marginal rate.

On top of employer contributions. Cap headroom: $16,800.

Preservation age is 60 for anyone born after June 1964.

A balanced option has historically sat around 6–7% before inflation.

Estimates for planning, not financial advice. Contributions are added at the end of each year, salary is held flat, and the return is after fees. 2026-27 settings: 12% SG, $30,000 concessional cap, 15% contributions tax.

Projected balance at 67

$1,553,844

About $838,129 in today's dollars, at 2.5% inflation over 25 years.

Employer contributions (12% SG)
$13,200 a year
Your salary sacrifice
$0 a year
Into the fund after 15% tax
$11,220 a year
In 1 year
$208,245
In 3 years
$259,366
In 5 years
$317,349
In 10 years
$498,678
At 67
$1,553,844

You have $16,800 of unused concessional cap this year, taxed at 15% inside super instead of your 32% marginal rate. Put a number in the salary sacrifice field — it is the single largest lever on this page.

Get the super rule changes by email

Subscribe for a short note when the concessional cap, the SG rate or the Division 293 threshold move — the settings that change the number above. Confirmed opt-in, a couple of emails a month at most. We can't email you the projection itself: nothing you typed above ever leaves your browser.

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Or put your real numbers into the full planner — open the live demo, no signup, sample data loaded.

The uncomfortable thing about superannuation is that the decisions with the most leverage are the ones you make earliest, and the feedback arrives decades later. A small change to your contribution rate at 35 does more than a large one at 58.

Funance projects your balance to your target retirement age from your actual balance and contribution rate, at one, three, five and ten-year horizons as well as the full run.

It also flags the two things Australians most often leave on the table: unused concessional cap, and salary sacrifice that would be taxed at 15% instead of your marginal rate.

The rules the projection applies
RuleSetting
Super Guarantee rate12%
Concessional contributions cap$30,000 a year
Concessional contributions tax15%
Carry-forward window5 years
Carry-forward balance testUnder $500,000

2026-27 settings. Estimates for planning, not financial advice.

What it surfaces

What the tool actually does

Projection to your retirement age

Your balance carried forward with contributions and a growth assumption you set, to the age you actually plan to stop, not a default 67.

Carry-forward opportunities

Unused concessional cap can be carried forward for five years if your balance is under $500,000. It is one of the most commonly missed opportunities in the system.

Salary sacrifice modelling

Concessional contributions are taxed at 15%. If your marginal rate is higher, the difference is the whole argument, and it depends on the bracket the tax engine already knows.

Both partners, separately

Caps and balances are per person. Funance models each partner rather than treating super as one household pot.

What you need

  • Current super balance, per partner
  • Your gross salary
  • Any salary sacrifice already in place
  • Your target retirement age

Questions

The things everyone asks

What is the concessional contributions cap?
The annual concessional cap is $30,000, which includes your employer's Super Guarantee contributions. Contributions within the cap are taxed at 15% rather than your marginal rate.
What is carry-forward and do I qualify?
If you do not use your full concessional cap, the unused portion can generally be carried forward for up to five years, provided your total super balance is under $500,000. Funance flags when this appears to apply to you.
Is this financial advice?
No. Funance provides general information and planning tools only. It does not take your objectives or circumstances into account. Consider speaking to a licensed financial adviser before acting.

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Know where your money goes.
Know where you're going.

Set up your household in about ten minutes. No card needed, no bank login, and a free tier waiting if you don't continue.

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