Super Simulator

General estimate · today’s dollars
How this is worked out · assumptions
This projection follows the method and default assumptions of the ASIC MoneySmart superannuation calculator, shown in today’s dollars.
  • Investment return by option, net of investment fees and tax: Cash 3.7%, Conservative 5.0%, Moderate 5.8%, Balanced 6.2%, Growth 6.6%, High growth 7.0% per year.
  • Employer contributions at the 12% Superannuation Guarantee rate, taxed at 15% going in. Extra before-tax contributions are also taxed at 15%.
  • Administration fees of $59 per year plus 0.08% of your balance. Default insurance of $521 per year when switched on.
  • Results are adjusted to today’s dollars using 2.5% for the rising cost of living and a further 1.2% for rising living standards.
  • Benchmarks: ASFA Retirement Standard comfortable lump sums (February 2026), $630,000 single and $730,000 couple, and the Super Consumers medium single figure of $322,000. All assume you own your home and receive a part Age Pension.
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If your total super is under $500,000, unused cap from the past five years may let you contribute more.

Investment option

Most super funds include some default life and disability cover, paid from your balance. MoneySmart assumes $521 a year. Turn it off to project without it.

Projected balance at retirement
$0
in today’s dollars

You
$322k
$630k
$730k
$322k medium · $630k comfortable single · $730k couple

Benchmarks assume you own your home and receive a part Age Pension.

Your real number depends on your situation.

In a first meeting, George works through your own numbers and what could lift them.

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Where you stand now at 50–54
You
$150,000
Average
$222,491
Average among people with super, ATO 2022–23. Half at this age have less than $147,857 (the median).
70% growth
Growth assets70%
Defensive30%
Assumed return6.2% p.a.

Around 70% in growth assets like shares and property, with 30% in defensive assets like cash and bonds. The most common default setting for super.

What moves this number
  • Extra before-tax contributions
  • The age you retire
  • Your investment option
  • Fees and insurance

George can talk through which ones matter most for your situation.

General information only. This is an estimate based on standard assumptions that may not match your situation, and investment returns are not guaranteed. It is not personal financial advice. For figures based on your own circumstances, speak with a financial adviser.

Your real number depends on your situation.

Work it out with George Call 07 3290 0393 First meeting free. No obligation.

General Advice Warning: This tool provides general information only and does not take into account your individual objectives, financial situation, or needs. Before making any financial decisions, you should consider whether the information is appropriate for your circumstances and seek personal financial advice from a licensed adviser. Great Advice Financial Advisers is a Corporate Authorised Representative of Akumin Financial Planning Pty Ltd (AFSL 232706).