Balance Projection
See how your super could grow over time based on your current balance, income, and investment returns.
Your Details
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Projected Balance
Balance at Retirement
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Employer Contributions
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Investment Growth
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Monthly Income (25yr)
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Years to Retirement
Growth Over Time
Opening Balance
Employer Contributions
Investment Growth
Contribution Caps & Tax
Understand concessional (before-tax) and non-concessional (after-tax) contribution limits for 2025–26.
Your Contributions
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Cap Usage
Contribution Types Explained
Superannuation Guarantee Calculator
Check if your employer is paying the correct super guarantee rate on your ordinary time earnings.
Your Pay Details
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SG Check
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Employers must pay super at least quarterly — by 28 Jan, 28 Apr, 28 Jul, and 28 Oct. Late payment attracts the Super Guarantee Charge (SGC).
SG Rate History & Future Schedule
| Financial Year | SG Rate | Status |
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Key Super Rules for 2025–26
Important superannuation rules, thresholds, and deadlines every Australian should know.
Disclaimer: SuperMate provides general information only and does not constitute financial advice. Superannuation laws change regularly. Always consult a licensed financial adviser or the ATO website (ato.gov.au) for personalised super advice. Projections are estimates only and actual returns will vary.