Super contributions optimiser

Super contributions optimiser icon

This calculator helps you work out:

  • which type of super contribution will give your super the biggest boost
  • 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, or
  • You are using an iPad or iPhone which does not support Flash

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 adviser.


  • 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 "retirement-planner-how-it-worksHow it works" section within the calculator for detailed information.

Further information

  • 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 Flashplayer

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 after tax.

Related links

Last updated: 23 Feb 2017