Contributions optimiser
What could extra contributions change?
Compare a baseline projection with regular additional contributions.
About this estimate
The projection assumes a constant 6% annual return after investment fees and earnings tax, 15% contributions tax on employer and extra before-tax contributions, contributions at year end and no salary change. Extra after-tax contributions are added in full.
Figures are future dollars and do not model inflation, administration fees, insurance, contribution-cap eligibility, carry-forward amounts, co-contributions or your personal income-tax saving.
Use the result well
Compare the result with the cost today
The result shows how regular extra contributions could change a future balance under a constant-return assumption. Before-tax and after-tax contributions do not reduce take-home pay in the same way, and the calculator does not calculate your personal income tax or contributions tax.
Decide what amount can be sustained without weakening emergency savings or creating expensive debt. A smaller regular contribution often works better than a large setting that has to be cancelled after an ordinary household expense.
Check the caps before acting
For 2026–27, the general concessional cap is $32,500 and the general non-concessional cap is $130,000, with eligibility rules that can change an individual’s available amount. Employer super already uses part of the concessional cap, and contributions across all funds are combined.
Verify actual contributions and available cap information in myGov, allow for amounts still in transit and send personal payments early enough to reach the fund by 30 June. Deductible personal contributions also require a valid notice of intent and fund acknowledgement.