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Superannuation & Retirement Calculator
Plan your retirement with super, Age Pension and personal savings.
💡 Superannuation — 12% employer SG (2026-27), not deducted from your salary
🇦🇺 Superannuation Reference — 2026/27
Employer SG rate 2026–27
12%
Concessional cap
A$30,000/yr
Non-concessional cap
A$110,000/yr
Concessional tax rate
15% (in fund)
Preservation age
60 (full access)
Age Pension age
67
💡 Salary sacrifice (voluntary concessional contributions) taxed at 15% instead of marginal rate — a powerful tax strategy.