Superannuation is Australia's compulsory retirement savings system. For 2025–26, employers must contribute 11.5% of ordinary time earnings (rising to 12% from 1 July 2025). While the SG rate forms the baseline, Australians who take an active interest in their super — through salary sacrifice, co-contributions, or smart contribution timing — can retire with significantly more.

Growing Your Super Faster

The most powerful tool for most employed Australians is salary sacrifice. The Salary Sacrifice Calculator shows how diverting pre-tax income into super is taxed at only 15% (or 30% for high earners) rather than your marginal income tax rate — often a saving of 20% or more. For 2025–26, the concessional (pre-tax) contributions cap is $30,000 per year including employer SG. The Concessional Cap Calculator shows exactly how much room you have left.

For low-income earners making personal after-tax contributions, the government's co-contribution scheme pays up to $500 directly into your super fund. The Government Co-Contribution Calculator calculates your entitlement based on income and the amount contributed.

High Income Super Planning

Australians earning above $250,000 are subject to Division 293 tax — an additional 15% on concessional contributions, making the effective rate 30%. The Division 293 Tax Calculator quantifies this liability. High earners also need to monitor the non-concessional (after-tax) cap of $120,000 per year, or $360,000 over three years using the bring-forward rule.

Retirement Planning

The Super Balance Projector models compounding growth to your target retirement age, helping you understand whether you're on track. Once in pension phase, the Pension Drawdown Calculator shows your minimum annual payment based on ATO age-based percentages. If you're approaching retirement age, the Transition to Retirement Calculator models the TTR strategy, which can allow you to boost contributions while maintaining take-home pay.