How to use this calculator
- Enter your current super balance and your age.
- Add your annual salary — the calculator applies the 12% Super Guarantee automatically.
- Adjust your expected annual return and any extra salary-sacrifice contributions.
- Read your projected balance at retirement and see how it compares to the ASFA comfortable standard.
What is the ASFA retirement standard?
The Association of Superannuation Funds of Australia (ASFA) publishes quarterly retirement standards. In 2026, the comfortable standard requires $595,000 for singles and $690,000 for couples, providing ~$51,000/year (single) or ~$72,000/year (couple) in retirement spending. The modest standard ($350,000 single) covers basics plus limited recreation.
How super works in 2026
Under the Superannuation Guarantee, your employer contributes 12% of your Ordinary Time Earnings (OTE) into your super fund. The concessional contribution cap is $30,000/year (including employer SG, salary sacrifice, and personal deductible contributions). Non-concessional contributions are capped at $120,000/year.
3 ways to boost your super balance
- Salary sacrifice — Pre-tax contributions above your employer's SG. Up to $30,000/year total. Taxed at 15% inside super vs your marginal rate (30%+ for most under Stage 3 brackets).
- Government co-contribution — Earn under $58,445? Contribute after-tax and the government matches 50c per $1, up to $500/year.
- Consolidate lost super — The ATO holds $16B+ in lost and unclaimed super. Search via myGov and roll it into your main fund.
