Optimise Your Superannuation
Project your retirement balance, compare fees, and plan your contribution strategy — using APRA data and ASIC-compliant calculators.
Retirement Projection
See your projected retirement balance in today's dollars. Adjust every assumption — age, salary, fees, returns.
ASIC 2022/603 compliantFee Impact Calculator
A 0.5% fee difference can cost $100,000+ over a career. See how fees compound against your balance.
30-year projectionCompare Funds
Compare any two of 51 MySuper products side by side — projected balances, fees, and returns.
51 productsContribution Strategy
Reverse-calculate how much you need to contribute to reach your retirement target, including salary sacrifice.
Goal-based planningHow it works
Enter your details
Your age, balance, salary, and fund fees. Every assumption is adjustable — as required by ASIC.
See your projection
A year-by-year projection of your retirement balance in today's dollars, showing contributions, returns, and fees.
Understand your options
Compare fee scenarios, explore contribution strategies, and estimate retirement income. No recommendations — just the maths.
Why fees matter more than you think
The Productivity Commission found that a 0.5% increase in fees costs a typical full-time worker approximately $100,000 by retirement — about 12% of their final balance. Over a 42-year career, even small fee differences compound into life-changing amounts.
Source: Productivity Commission Report No. 91, 2018; Canstar July 2025 modelling
What is Superannuation?
Superannuation is Australia’s compulsory retirement savings system. Your employer contributes 12% of your salary into a super fund, where it is invested until you reach preservation age. The fees your fund charges — administration fees, investment fees, and insurance premiums — directly reduce your final retirement balance. Understanding these fees is the first step toward optimising your super.
Also on super·saver
This calculator provides estimates only. It is not personal financial advice. All projections are in today’s dollars and use simplifying assumptions. You should consider your personal objectives, financial situation, and needs. Consider consulting a licensed financial adviser before making any decisions about your superannuation. Calculator methodology aligns with ASIC Regulatory Guide 276 and Instrument 2022/603.