Super calculator & estimator
Make the assumptions yours. See contributions and investment growth separately, with no sign-in required.
Super growth calculator
Explore how your balance, contributions and an assumed return could add up over time.
Your current balance, before future contributions.
The net amount credited to your super each year, after any contribution tax.
Use a net return after investment tax, fees and insurance. Negative returns are supported.
Choose a whole number from 0 to 80.
The starting values are an editable example, not a suggested contribution or return.
Illustrative balance after 25 years
$1,087,561
Future dollars, before any adjustment for inflation.
Starting balance
$100,000
Future contributions
$300,000
Investment growth
$687,561
How this estimate works
Returns compound once a year. Your annual contribution is added at the end of each year, so it starts earning returns in the following year. Contributions and the assumed return stay constant.
Enter contributions after any contribution tax, and a return after tax, fees and insurance. This simplified model does not calculate those costs, contribution caps, government benefits, withdrawals or inflation. Actual returns vary and can be negative; this is an illustration, not a forecast or personal financial advice.
Calculated locally in your browser; this tool does not save your inputs. For a broader model with additional assumptions, see the ASIC Moneysmart superannuation calculator.
Year-by-year breakdown
| Year | Opening balance | Contribution | Return | Closing balance |
|---|---|---|---|---|
| 0 | $100,000 | $0 | $0 | $100,000 |
| 1 | $100,000 | $12,000 | $6,000 | $118,000 |
| 2 | $118,000 | $12,000 | $7,080 | $137,080 |
| 3 | $137,080 | $12,000 | $8,225 | $157,305 |
| 4 | $157,305 | $12,000 | $9,438 | $178,743 |
| 5 | $178,743 | $12,000 | $10,725 | $201,468 |
| 6 | $201,468 | $12,000 | $12,088 | $225,556 |
| 7 | $225,556 | $12,000 | $13,533 | $251,089 |
| 8 | $251,089 | $12,000 | $15,065 | $278,154 |
| 9 | $278,154 | $12,000 | $16,689 | $306,844 |
| 10 | $306,844 | $12,000 | $18,411 | $337,254 |
| 11 | $337,254 | $12,000 | $20,235 | $369,490 |
| 12 | $369,490 | $12,000 | $22,169 | $403,659 |
| 13 | $403,659 | $12,000 | $24,220 | $439,878 |
| 14 | $439,878 | $12,000 | $26,393 | $478,271 |
| 15 | $478,271 | $12,000 | $28,696 | $518,967 |
| 16 | $518,967 | $12,000 | $31,138 | $562,106 |
| 17 | $562,106 | $12,000 | $33,726 | $607,832 |
| 18 | $607,832 | $12,000 | $36,470 | $656,302 |
| 19 | $656,302 | $12,000 | $39,378 | $707,680 |
| 20 | $707,680 | $12,000 | $42,461 | $762,141 |
| 21 | $762,141 | $12,000 | $45,728 | $819,869 |
| 22 | $819,869 | $12,000 | $49,192 | $881,061 |
| 23 | $881,061 | $12,000 | $52,864 | $945,925 |
| 24 | $945,925 | $12,000 | $56,755 | $1,014,680 |
| 25 | $1,014,680 | $12,000 | $60,881 | $1,087,561 |