🇦🇺 Superannuation Calculator
Superannuation Guide 2026
Superannuation (super) is Australia's compulsory retirement savings system. Employers are required to contribute 11.5% of your ordinary time earnings to your super fund in 2025-26, rising to 12% from 2026-27. This is known as the Super Guarantee (SG). You can also make voluntary concessional (pre-tax) contributions up to $30,000 per year or non-concessional (after-tax) contributions up to $120,000 per year.
Super funds invest your money across a mix of shares, property, bonds, and cash. The average balanced super fund returns around 7-8% per year over the long term. You can generally access your super when you reach your preservation age (currently 60) and have retired.
Super FAQs 2026
What is the Super Guarantee rate in 2026?
The Super Guarantee rate is 11.5% for the 2025-26 financial year, rising to 12% from July 1, 2026. This is the minimum your employer must contribute to your super fund on top of your salary.
How much super should I have at 50?
ASFA (Association of Superannuation Funds of Australia) suggests having around A$250,000-$300,000 in super by age 50 to be on track for a comfortable retirement. This varies significantly based on your retirement income goals.
When can I access my super?
You can access your super when you reach your preservation age (60 for most people born after 1964) and have retired, or when you turn 65 regardless of employment status. Early access is only available in very limited circumstances.
💡 Tips
Super Guarantee Rate 2026
The mandatory super rate is 11.5% in 2026, rising to 12% from 2026-26.
Extra Contributions Compound
Even A$50/week extra can add hundreds of thousands to your super by retirement.