MOMONEYMOFREE
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Super on track?

Two numbers tell the story: where your super shouldbe for your age, and where you're headed by 67. Here's how yours stacks up against the benchmark.

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Projection adds the 12% Super Guarantee on your salary to age 67, in today's dollars (real return after inflation). Extra contributions and employer top-ups aren't included.

At 35, you're at
69%
of the on-track benchmark for your age
0benchmark 100%160%+
Behind the benchmark. Benchmark at 35: $102K.
On-track benchmark (age 35)$102K
Median Aussie your age (actual)$70K
Projected at 67 (today's $)$1.24M
ASFA 'comfortable' target$595K
On 12% super alone, you're projected to reach $1.24M by 67 — that clears the ASFA comfortable target of $595K.
SOURCE: ASFA Retirement Standard (comfortable single ≈ $595k at 67) · on-track age checkpoints ASFA / Super Guru · median actual balances ATO Taxation Statistics · today's-dollar terms
Estimates only · generic calculator

This is a generic financial calculator. It produces estimates only, based on the assumptions below and the figures you enter. It is general information — not personal or financial product advice— and does not take into account your objectives, financial situation or needs. Consider whether it's right for you and seek advice from a licensed professional before making any decision. MOMONEYMOFREE does not hold an Australian Financial Services Licence and does not recommend any specific financial product.

Retirement / superannuation results are shown in today's dollars (adjusted for the assumed inflation rate below) and are not a guarantee or projection of your actual future benefits.

Assumptions used →
  • On-track benchmark = the balance, by age, modelled to reach the ASFA comfortable-retirement target ($595k single) at 67. It's a general benchmark, not your personal target.
  • Projection grows your balance plus the 12% Super Guarantee on the salary you enter, at the real (after-inflation) return you set, to age 67 — in today's dollars.
  • Ignores extra/employer contributions above SG, salary growth, fees and insurance premiums inside super, contributions caps, tax, and the Age Pension.
  • 'Median actual' is the typical balance for your age (ATO) — context only; many Australians are below the comfortable benchmark.
  • Super is generally preserved until age 60. This is general information, not personal advice — a licensed adviser can model your real situation.
  • Calculated in your browser; nothing entered is stored.

Nothing entered here is sent to or stored on our servers — it's all calculated in your browser.

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