Run your own numbers
Six calculators built on 2025-26 Australian tax rates, contribution caps and pension settings. Everything runs in your browser. We never see your numbers, and nobody will ring you afterwards.
Super balance projector
Where your balance lands at retirement, using the 12% super guarantee, 15% contributions tax and your chosen return. Watch what the extra contributions line does.
Projected balance at retirement
Assumes contributions and returns are credited annually, salary stays flat in today's dollars, and 15% contributions tax. Results are in future dollars and are estimates only.
Salary sacrifice tax saving
Your 2025-26 marginal rate (Medicare levy included) versus the 15% contributions tax. The gap between those two bars is money the ATO was going to keep.
That amount would push you over the $30,000 concessional cap once 12% employer contributions are included. The calculation is capped at your available room.
Annual tax saving
Uses 2025-26 resident rates and a 2% Medicare levy. Ignores offsets, HELP repayments and Division 293 tax (which applies above $250,000). Carry-forward cap space not included.
Retirement drawdown: how long will it last?
How many years your savings survive your spending, with inflation quietly raising the bill every year.
Your money lasts about
Ignores the Age Pension, which steps in as assets fall and makes real-world outcomes better than this for most retirees. Also ignores minimum drawdown rules and market sequence risk.
Age Pension estimator
Applies the assets test and the income test and pays you the lower result, the same cheerful logic Centrelink uses.
Estimated Age Pension
Rough estimate using approximate 2025 rates and thresholds, which are indexed twice a year. Income should be your Centrelink-assessable income including deemed income on financial assets. The taper chart shows the assets test for your situation; your payment may be set by the income test instead. Confirm with Services Australia.
Compound investment growth
The boring miracle: regular investing plus time. The gap between the two lines is money you didn't have to earn.
Projected value
Before tax and fees. Past returns don't guarantee future ones; the share market does not move in straight lines, whatever this chart implies.
Life insurance needs estimator
Debts plus income replacement plus future costs, minus what your family would already have. The leftover bar is the conversation to have.
Suggested additional cover
A starting point, not advice. The right structure (inside vs outside super, TPD definitions, income protection) depends on your situation. See our insurance article.