See how both balances could grow, when contributions stop, and what the ATO minimum pension would pay from retirement.
Project your super and your partner's month by month. Model early retirement by stopping contributions, add one-off payments, and see ATO minimum pension payments from retirement.
Enter your age, salary and super balance, and your partner's if you have one, and see how both balances could grow month by month. Choose when contributions stop to model early retirement, add one-off payments, and see the ATO minimum pension payments from retirement.
Employer super, contributions tax, the concessional cap and salary growth are all built in. Open any financial year to see each month's opening balance, contributions, tax, return, pension and closing balance.
If you draw an account-based pension you must take at least a minimum percentage of the balance each year: 4% under 65, 5% at 65 to 74, 6% at 75 to 79, 7% at 80 to 84, 9% at 85 to 89, 11% at 90 to 94 and 14% from 95. The calculator applies these rates at the start of the pension and each 1 July.
Yes. Set "Stop contributions at age" lower, for example 60. Employer and additional contributions stop, the balance keeps growing from returns, and the pension starts at the age you choose, which defaults to 67.
It depends on your balance, your salary, how long you keep contributing and the return you assume. Try several return assumptions, because small differences compound over decades.
No. The calculator uses a fixed return you choose, net of fees and tax. Real returns vary from year to year, and a poor run early in retirement can matter more than the average.
Compare extra mortgage repayments with extra super contributions, to age 67.
Work out your home equity and how much you could borrow against it.
Stamp duty for every state and territory, with first home buyer concessions and every step shown.
General information only, not financial advice. Check important figures with the relevant authority or a licensed adviser before you act.