Spare change calculator

A little effort now for a big difference later


Making additional super contributions now can make a significant difference to your final balance when you wind-down work - thanks largely to the magic of compound interest.

Use this calculator to discover how much extra you could afford to contribute now and see how it could add up for you in the future.


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FAQs

Making additional contributions as early as possible can make a big difference to your balance when you stop working. There’s several ways to boost your super balance, and you may even save yourself some tax at the same time.

We’re all at different stages in our lives, so it’s an individual decision. You need to consider if relying solely on the contributions your employer makes to your super will be enough to provide the lifestyle you want later.

Head to our Grow your super page for more.

There’s a few different ways to contribute extra to your account. You can make an after-tax contribution via BPAY (log in to Member Online for your BPAY Biller codes). You could also set up a salary sacrifice arrangement through your employer to make a before-tax contribution.

Your contribution limits or ‘caps’ will depend on how you are making your contribution — contributions are either before-tax (non-concessional) or after-tax (concessional).

If you do make contributions that exceed your caps you may have to pay additional tax.

To find out more, including the contribution limits for this financial year, visit our contribution caps page.

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Our education hub can help take your financial knowledge to the next level. 

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Advice when you need it

If you re interested in taking control of your finances, seeking advice through your super fund can be a great option. We offer several different advice models at different price points