Small-change calculator
Small amount. Long runway.
See how a regular weekly contribution could compound over time.
About this estimate
The projection assumes a constant 6% annual return after fees and tax, contributions at year end and no change to the weekly amount. Real returns vary and can be negative.
Figures are future dollars and do not account for inflation, contribution caps, personal tax, insurance premiums or fund-specific fees. General information only.
Use the result well
Why a small regular amount can matter
The calculator combines weekly contributions and a constant 6% annual return to illustrate compounding. The longer the money remains invested, the more of the result may come from growth rather than contributions. Actual returns vary, can be negative and will be reduced by fees, tax and any insurance premiums.
Use the tool to compare habits: $10, $20 or $40 a week, and different time frames. It is not a forecast of what a particular super option will earn.
Make the habit safe and automatic
Choose before-tax or after-tax contributions deliberately because tax, paperwork and caps differ. Set the amount just after payday, confirm it reaches the fund and increase it after a pay rise if the household budget allows.
Keep an emergency fund outside super and check annual caps across every account. Automation should remove repeated decisions, not lock away money needed for rent, food, bills or high-interest debt.