Retirement
Super Balance by Age Calculator Australia 2026
Project your superannuation balance to retirement and see how you compare to the national average.
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How Super Projections Work
- Employer contributions: Your annual salary × the super guarantee rate (currently 12% for 2025-26).
- Voluntary contributions: Extra monthly amounts you choose to salary sacrifice or contribute after tax.
- Investment returns: Compounded annually at your chosen rate of return. Historical average is around 7% p.a.
- Projection: Each year, employer + voluntary contributions are added, then investment returns are applied to the total balance.
Average super balances sourced from ABS and ASFA data. This projection is an estimate only and does not account for tax on contributions, fees, or inflation. See a financial adviser for personal advice.
Frequently Asked Questions
What is the average super balance by age in Australia?
Average super balances (ATO 2023-24): age 25-29 around $30,000, 30-34 around $60,000, 35-39 around $95,000, 40-44 around $130,000, 50-54 around $200,000, 60-64 around $310,000. Median balances are significantly lower.
How much super do I need to retire in Australia?
ASFA estimates a comfortable retirement requires around $595,000 for a single person and $690,000 for a couple (2026). This provides approximately $50,000 per year in retirement income alongside the Age Pension.
How do voluntary super contributions work?
You can make extra contributions to boost your super. Concessional (before-tax) contributions are capped at $30,000 per year and are taxed at 15% — a saving if your marginal rate is higher. Non-concessional contributions are capped at $120,000 per year.
What return should I expect from my super fund?
Long-term average returns for a balanced super fund in Australia are approximately 7-8% p.a. before fees. Growth options average 8-9%, while conservative options average 5-6%. Past performance doesn't guarantee future results.
At what age can I access my super in Australia?
You can access your super when you reach your preservation age (60 for anyone born after 1 July 1964) and meet a condition of release, such as retiring. From age 65, you can access it regardless of work status.
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Last updated: April 2026
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