Metric Unit Calculator
The formula, your substituted values, and the evaluated result are shown below.
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View offerAffiliate link — we may earn a commission at no extra cost to you.Calculate superannuation growth calculator using clearly labelled financial inputs and an instant result.
The calculator projects your super balance by growing your current balance and your regular monthly contributions at an expected return:
Future balance = B × (1 + r)^n + C × ((1 + r)^n − 1) ÷ r
where B is today's balance, C is the monthly contribution, r is the monthly return (annual % ÷ 1,200) and n is the number of months until retirement.
Of that, today's $80,000 grows to about $357,200, and the contributions (which total $240,000) grow to about $554,400. The earlier money goes in, the harder it works.
Balanced and growth options have historically returned roughly 6–8% a year over long periods before inflation, but returns vary widely from year to year, including negative years. Use a return after fees and investment tax, and consider testing a lower figure (e.g., 5%) to see a cautious outcome.
A projection of $911,600 in 25 years isn't worth $911,600 today. At 3% inflation, it's roughly $435,000 in today's dollars. To see today's-dollar figures directly, use a "real" return (your return minus inflation, e.g., 6% − 3% = 3%).
Rules and caps change, so check the ATO or a licensed financial adviser.
It depends on your balance, contributions, returns and time. With $80,000 now, $800 a month and 6% for 25 years, the projection is about $911,600.
12% of ordinary time earnings from 1 July 2025.
Use a nominal return to see the future dollar figure, or a real return (after inflation) to see what it's worth in today's dollars.