Super contributions optimiser
This calculator helps you work out:
- which type of super contribution will give your super the
- how to make super contributions
For more information see disclaimers &
assumptions and FAQs below.
Estimated time: 5 mins
Please note: iPads and iPhones do not support Flash (as well as
some other mobile devices)
If you see this message:
- Flash may still be downloading, or
- Your browser may not have Flash installed (You
can download the latest version for free from http://get.adobe.com/flashplayer/),
- You are using an iPad or iPhone which does not support
The MoneySmart team is working towards replacing Flash on our
website so calculators will render across all devices.
Disclaimers & assumptions
- The 2016 federal budget introduced some significant changes to
superannuation, most of which commence on 1 July 2017. Some of
these changes may affect the results produced by this calculator,
or may impact on your planning for retirement. This calculator has
not yet been updated for any of the budget changes.
- This is a model not a prediction. Results are
only estimates, the actual amounts may be higher or lower. We
cannot predict things that will affect your decision such as
movements in investment markets.
- This calculator is not intended to be your sole source of
information when making a financial decision. You should consider
whether you should get advice from a licensed financial
- The government will contribute $0.50 for every after tax $1 you
contribute to super, up to a maximum of $500 each financial year,
if you earn $35,454 p.a. or less. The co-contribution entitlement
will gradually reduce the more you earn, and will cut out when your
earnings reach $50,454 p.a.
- After you put a contribution into super it must stay there
until you retire. Weigh up the benefits of extra super against your
other priorities, for example paying off your credit cards.
- Refer to the "How it works" section within the calculator for
- You can save one or multiple versions of the calculations
within MoneySmart and retrieve them at a later date
- You can print your results
- You will need Adobe
FAQs - frequently asked questions
Q. How do I retrieve a saved calculator?
A. To retrieve a saved calculator, go to the relevant calculator
and click on the "select saved calculator" dropdown menu in the
toolbar (see example below) and select your previously saved
calculator from the list.
If you are not already logged in you will be asked to login. After
entering your username or email and password, you will be able to
select any previously saved results.
Q. Do calculators save data automatically?
A. No, you will need to click on the "Save" icon if you wish to
save your budget.
Q. Why can't I see your calculators on my iPad or iPhone?
A. Most of our calculators were built using Flash at a time when
Flash was accessible to the majority of internet users. Since then,
iPads and iPhones have become very popular and they do not support
Flash files. The MoneySmart team are recreating all our calculators
in a format that will be usable on all devices. Unfortunately, this
process will take a while, so stay tuned!
Q. Are there advanced settings I can change?
A. Yes, within the calculators that you can save, there are some
defaults and assumptions that you can adjust as required. These can
be found within the "How it works" or "Settings" sections.
Q: I am a high income earner, why does the calculator suggest
some of my super contributions be paid after tax?
A: The calculator takes into account your concessional
contribution limit, based on your age. Your concessional
contribution limit includes your employer SGC contributions. The
calculator assumes anything over this limit will be contributed
Last updated: 23 Feb 2017