Employers must pay 12% of ordinary earnings into your super. Contributions are taxed at 15% going in, and the fund’s earnings and fees change the balance each year.
Balance at retirement: $1,215,855.02
Your answer
Balance at retirement$1,215,855.02
Contributions this year (before tax)$9,600.00
This year, after 15% contributions tax
$8,160.00
Employer super guarantee (12%)
$9,600.00
Balance at the end of each year
Contributions after tax (and starting balance)
Investment returns
Show the numbers
Balance at the end of each year
Year
Contributions after tax (and starting balance)
Investment returns
1
$58,160.00
$3,241.23
2
$66,564.80
$7,173.78
3
$75,221.74
$11,854.02
4
$84,138.40
$17,342.17
5
$93,322.55
$23,702.51
6
$102,782.22
$31,003.67
7
$112,525.69
$39,318.87
8
$122,561.46
$48,726.24
9
$132,898.31
$59,309.09
10
$143,545.26
$71,156.29
11
$154,511.61
$84,362.58
12
$165,806.96
$99,028.95
13
$177,441.17
$115,263.05
14
$189,424.41
$133,179.56
15
$201,767.14
$152,900.69
16
$214,480.15
$174,556.59
17
$227,574.56
$198,285.91
18
$241,061.79
$224,236.26
19
$254,953.65
$252,564.83
20
$269,262.26
$283,438.94
21
$284,000.12
$317,036.71
22
$299,180.13
$353,547.69
23
$314,815.53
$393,173.59
24
$330,920.00
$436,129.03
25
$347,507.60
$482,642.35
26
$364,592.82
$532,956.44
27
$382,190.61
$587,329.64
28
$400,316.33
$646,036.70
29
$418,985.82
$709,369.81
30
$438,215.39
$777,639.63
In today’s and future dollars mixed: amounts are not adjusted for inflation. Concessional contributions above the yearly cap are taxed more.
Worked out in your browser. Nothing you type is sent to a server.
How we worked it out
Updated as you change the numbers.
Each year: contributions = salary × (12% + any salary sacrifice), less 15% contributions tax, added mid-year.
The balance grows by the return after fees; the salary grows by the salary growth rate.
Method and assumptions
A projection with a steady return. Real returns vary year to year, and fees and insurance premiums differ by fund. Check your fund’s own calculator and the MoneySmart retirement planner for detail.
Questions
How much super does my employer pay on $80,000?
$9,600 a year at 12%, which becomes $8,160 after the 15% contributions tax.
Method and figures checked on November 2, 2026. Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.
Embed this calculator on your site
Free to use. Paste this where you want the calculator; it runs in your visitors’ browsers, sets no cookies and never sends us anything your visitors type.