🇦🇺 Australia Superannuation Calculator
Calculate Australian Superannuation retirement savings with employer and personal contributions.
2024/25 Super Guarantee: 11.5%
Australia Superannuation Calculator
Enter your details to calculate
Understanding Superannuation
Super Guarantee
Employers must contribute 11.5% (2024/25) of your salary to super. Rising to 12% from July 2025.
Contribution Caps
Concessional (pre-tax): $30,000/year. Non-concessional (after-tax): $120,000/year.
Preservation Age
Access your super from age 55-60 depending on birth date. Tax-free withdrawals from 60.
Super Guarantee Timeline
Benefits of Salary Sacrifice
- ✓Lower TaxContributions taxed at 15% vs marginal rate
- ✓Compound GrowthMore capital working for you over time
- ✓Co-contributionsGovernment may match your contributions
Frequently Asked Questions
When can I access my super?
You can access your super when you reach your preservation age (55-60 depending on birth date) and retire, or unconditionally from age 65.
Should I make extra contributions?
Extra contributions can significantly boost your retirement savings through compound growth. Salary sacrifice contributions are taxed at only 15%.
What is salary sacrifice?
Salary sacrifice allows you to contribute pre-tax income to super, reducing your taxable income while building wealth for retirement.
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