Super calculator
Find out how much income you could receive in retirement
Which stage are you in?
Every path ends at the same next-steps screen, where you can explore our advice options, use our self-serve tools, take an action like increasing contributions or consolidating your super, while the numbers are fresh.
Starting out
You're new to super and working out how much to contribute. The calculator focuses on retirement goals and the effect of starting contributions earlier.
Planning your retirement
You’ve got more than 5 years to retirement and want to test whether you're on track. The calculator focuses on voluntary contributions, fees and investment option.
Entering your retirement
You're within five years of stopping work. The calculator focuses on transition-to-retirement, account-based pensions and drawdown scenarios.
Enjoying your retirement
You've already stopped work. The calculator focuses on sustainable income drawdown and Age Pension considerations.
How to catch up if you're behind
There’s a number of additional strategies you can consider to boost your retirement income. Some of these include:
- Explore our range of financial advice options to support you at every stage of life.
- Understand whether you're on track with simple, tailored advice on your super.
- Top up your super with salary sacrifice, or a personal super contribution.
What you’ll need before you start
This easy‑to‑use calculator projects your super balance by asking a few simple questions, including:
- Your current super balance (you can check this in FirstNet or the CFS app)
- Your before‑tax salary
- Your age and your planned retirement age
- Any voluntary contributions you already make, such as salary sacrifice or after‑tax contributions
- Your target retirement income — you can enter your own amount, use our budgeting tool to estimate your preferred lifestyle, or choose one of the AFSA Retirement Standard options
Sample projections: How much super could you have?
These are sample projections only, showing how your super balance could look at different stages of saving for your retirement. For a tailored and more detailed calculation, use our super calculator.
25
$45,000
$20,000
$0
$344,848
25
$45,000
$20,000
$500
$375,066
40
$75,000
$178,000
$0
$601,755
40
$75,000
$178,000
$1000
$633,673
55
$115,000
$399,000
$0
$682,557
55
$115,000
$399,000
$2000
$706,096
Source: CFS Super Calculator accessed May 2026.
Frequently asked questions
A super calculator is a tool that estimates how much super you'll have at retirement based on your current balance, income, contributions, investment option and fees. The CFS super calculator adapts to your lifestage (starting out, planning, entering or enjoying retirement) and only asks for the inputs relevant to your stage.
This calculator is designed to assist you in estimating your superannuation account balance at retirement, how long that balance may last in retirement and to plan your retirement strategy. The retirement projection is an estimate, not a guarantee.
After calculating your projected super balance at retirement, you will be taken to a ‘next steps’ screen. From there you can book explore our advice options, explore our advice options, use our self-serve tools, take an action like increasing contributions or consolidating your super.
It’s a good idea to run the calculator at least once a year, ideally after you receive your annual member statement, whenever there’s a change to your salary, contributions, life stage or investment option. Using it regularly can help you stay on track with your retirement goals and make adjustments early if you’re falling behind.
Yes. Combine your balances and contributions into a single figure. If you have accounts with different funds, consider consolidating them first so your projection reflects on clear set of assumptions.
We're here to help
Get in touch
Get in touch with us online or call us 8:30am to 6pm (Sydney time) Monday to Friday.
Find the right advice option
Our dedicated team can help you choose from a range of different financial advice options.
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This calculator is provided by Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) and powered by Gallagher (Gallagher Benefit Services Pty Ltd ABN 49 611 343 803 AFSL 488001). Colonial First State (CFS) is Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 and its subsidiaries which include AIL.
This calculator is current as at 26 February 2026, and is subject to change. To the extent permitted by law, no liability is accepted by CFS, nor AIL, its contractors, agents and employees, for any loss or damage arising, directly or indirectly from reliance on this calculator.
You should consider your personal objectives, financial situation, needs or tax circumstances. You should read the relevant Product Disclosure Statement and Financial Services Guide carefully, and consider obtaining advice from a licensed or appropriately authorised financial adviser, before making an investment decision. You should consider regularly updating your projections as your circumstances may change.