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# Superannuation calculator

## What's the plan?

To get started, input your current age and target retirement age.

Current Age

Retirement Age

You've got 30 years to grow your super!

## The finer details

Let's crunch some numbers - what are we working with?

Expected income

Employer contribution

Current super balance

Fees

Rate of return

## Compare rates

Compare fees

Compare rate of return

You need to fill in all fields before calculating your result

And finally, the results you've been waiting for!

Balance at retirement

## \$0

Comparison balance

## \$0

The results of this calculator are best estimates based on assumptions that can vary. This calculator is not intended to make future financial decisions.

Before making any financial decisions consider your own financial circumstances, needs and objectives and consider getting professional financial advice.

Edit assumptions

The information provided by this calculator is general in nature and does not constitute professional or personal advice.

### What the superannuation calculator can show you

The calculator will show you your estimated super balance at retirement based on your current situation and super fund. Let's look at the following example.

Let's say you're 25, earning \$80,000 a year, making no additional contributions and have a current super balance of \$30,000. Your annual fees are \$300 and your rate of return is 7% p.a. Your projected super balance by age 65 is \$514,260.

\$30,000\$3007% p.a.\$0 / year\$514,260-

#### What happens when you reduce your super fees?

The calculator is also designed to show you how much your retirement balance can increase by switching to a super fund with lower fees or higher returns (or both!).

Using the exact same situation as above, and changing nothing but reducing the fees from \$300 a year to \$150 a year, your new projected balance at 65 would be \$522,797. That's an extra \$8,537 in your balance at retirement, just by switching to a fund with lower fees.

\$30,000\$1507% p.a.\$0 / year\$522,787\$8,537

#### What happens when you increase your super returns?

You can also use the calculator to see how much your balance is impacted when you change your rate of return.

Once again using the same example, except this time changing only the return rate from 7% p.a. to 9% p.a., your new projected balance at 65 would be \$633,821. That's an extra \$119,561 in your balance when you retire!

\$30,000\$3009% p.a.\$0 / year\$633,821\$119,561

#### What happens when you make extra super contributions?

The calculator can also show you the power of making small, additional contributions into your super over your working life.

Using the same example, let's say your fund details stay exactly the same but you make additional annual contributions of \$1,000 per year into your super. You'll instead retire with a projected balance of \$574,557 - an extra \$60,297.

\$30,000\$3007% p.a.\$1,000 / year\$574,557\$60,297

1 - 10 of 45
Name Last 1 year performance (p.a.) Last 3 year performance (p.a.) Last 5 year performance (p.a.) Last 10 year performance (p.a.) Fees on \$50k balance (p.a.)
Australian Ethical Super Balanced
Green CompanyEthical
Last 1 year performance (p.a.)
+9.53%
Last 3 year performance (p.a.)
+6.73%
Last 5 year performance (p.a.)
+6.71%
Last 10 year performance (p.a.)
+7.56%
Fees on \$50k balance (p.a.)
\$603
Hostplus Balanced
Industry fund
Last 1 year performance (p.a.)
+8%
Last 3 year performance (p.a.)
+10%
Last 5 year performance (p.a.)
+6.89%
Last 10 year performance (p.a.)
+8.93%
Fees on \$50k balance (p.a.)
\$606
Aware Super High Growth
Industry fundHigher risk
Last 1 year performance (p.a.)
+10.92%
Last 3 year performance (p.a.)
+9.62%
Last 5 year performance (p.a.)
+7.64%
Last 10 year performance (p.a.)
+9.29%
Fees on \$50k balance (p.a.)
\$497
Virgin Money Super - LifeStage Tracker
LifestageHigher risk
Last 1 year performance (p.a.)
+13.07%
Last 3 year performance (p.a.)
+8.72%
Last 5 year performance (p.a.)
+6.98%
Last 10 year performance (p.a.)
N/A
Fees on \$50k balance (p.a.)
\$346
HESTA Balanced Growth
Industry fund
Last 1 year performance (p.a.)
+9.59%
Last 3 year performance (p.a.)
+8.61%
Last 5 year performance (p.a.)
+6.56%
Last 10 year performance (p.a.)
+8.02%
Fees on \$50k balance (p.a.)
\$477
CareSuper Growth
Industry fundHigher risk
Last 1 year performance (p.a.)
+11.7%
Last 3 year performance (p.a.)
+9.47%
Last 5 year performance (p.a.)
+6.95%
Last 10 year performance (p.a.)
+8.94%
Fees on \$50k balance (p.a.)
\$553
AustralianSuper - Balanced
Industry fund
Last 1 year performance (p.a.)
+8.23%
Last 3 year performance (p.a.)
+8.25%
Last 5 year performance (p.a.)
+6.75%
Last 10 year performance (p.a.)
+8.61%
Fees on \$50k balance (p.a.)
\$382
Australian Retirement Trust - Growth
Higher risk
Last 1 year performance (p.a.)
+11.96%
Last 3 year performance (p.a.)
+11.95%
Last 5 year performance (p.a.)
+8.36%
Last 10 year performance (p.a.)
+9.53%
Fees on \$50k balance (p.a.)
\$587
UniSuper Balanced
Industry fund
Last 1 year performance (p.a.)
+10.34%
Last 3 year performance (p.a.)
+7.54%
Last 5 year performance (p.a.)
+6.63%
Last 10 year performance (p.a.)
+8.37%
Fees on \$50k balance (p.a.)
\$351
Virgin Money Super Indexed Australian Shares
Indexed investmentHigher risk
Last 1 year performance (p.a.)
+14.74%
Last 3 year performance (p.a.)
+11.09%
Last 5 year performance (p.a.)
+7.58%
Last 10 year performance (p.a.)
N/A
Fees on \$50k balance (p.a.)
\$388
Showing 10 of 45 results

The information in the table is based on data provided by Chant West Pty Ltd (AFSL 255320) which is itself supplied by third parties. While such information is believed to be accurate, Chant West does not accept responsibility for any inaccuracy in such information. Chant Westâ€™s Financial Services Guide is available at https://www.chantwest.com.au/financial-services-guide . Finder offers no guarantees or warranties about the data and we recommend that users make their own enquiries before relying on this information. Performance, fees and insurance data is based on each fund's default MySuper product. Where the performance, fees and insurance data for the MySuper fund vary according to the member's age, results for individuals between 40-49 years of age have been shown. Past performance is not a reliable indicator of future performance.

### Why you can trust Finder's super fund experts

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Unlike other comparison sites, we're not owned by a super fund company. That means our opinions are our own and you can compare nearly every super fund in Australia on Finder.

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Since 2017, we've helped over 200,000 people find a super fund by comprehensively comparing funds. We'll never ask for your personal information. We're here to help you make a decision.

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