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FY 2025-2026
Projection
SMSF vs Retail
Pension Phase
Personal Details
Current Age
?
Your current age in years.
years
Retirement Age
?
Age when you plan to retire. Preservation age is 60 for those born after 1964.
years
Current Super Balance
?
Your total superannuation balance across all funds.
Annual Salary (Gross)
?
Your total annual salary before tax.
Contributions
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Employer SG Rate
?
Super Guarantee rate. Currently 11.5% (FY2024-25), rising to 12% by 2025-26.
%
Salary Sacrifice (Monthly)
?
Pre-tax contributions from your salary. Subject to concessional cap.
Personal Contribution (Monthly)
?
After-tax (non-concessional) contributions. Subject to NCC cap.
Spouse Contribution (Annual)
?
Contributions to spouse super. May be eligible for tax offset.
Concessional Cap (FY24-25):
$30,000
Non-Concessional Cap:
$120,000
Investment Returns
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Expected Return (p.a.)
?
Average annual investment return. Historical super returns average 7-9%.
%
Inflation Rate
?
Estimated inflation rate for real return calculations.
%
Quick Select:
Conservative (5%)
Balanced (7%)
Growth (9%)
SMSF Costs
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SMSF Setup Cost
?
One-time cost to establish SMSF including trust deed and registration.
SMSF Annual Running Cost
?
Includes accounting, audit, ASIC fees, and admin costs.
Annual Insurance Premium
?
Life, TPD, and income protection insurance held in super.
Retail Fund Fee (for comparison)
?
Typical retail super fund fee percentage for comparison.
%
Pension Phase Settings
Annual Drawdown Rate
?
Percentage of balance to withdraw annually. Minimum rates apply based on age.
%
Life Expectancy
?
Used to estimate pension sustainability. Australian average is 83-85.
years
Minimum Drawdown Rates (FY24-25)
Under 65
4%
65-74
5%
75-79
6%
80-84
7%
85-89
9%
90-94
11%
95+
14%
Calculate
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SMSF Projection Results
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$0
Projected Balance at Retirement
Total Contributions
$0
Investment Earnings
$0
Tax on Contributions
$0
Real Value (Inflation Adj.)
$0
Balance Breakdown
Contribution Summary
Super Balance Growth
SMSF vs Retail Fund Comparison
SMSF
Projected Balance
$0
Total Fees Paid
$0
Fee as % of Balance
0%
Retail Fund
Projected Balance
$0
Total Fees Paid
$0
Fee as % of Balance
0%
Pension Phase Analysis
Annual Pension Income
$0
Monthly Income
$0
Fund Longevity
0 years
Yearly Projection Schedule
Annual
5-Year Intervals
▦
Card
▤
Table
Year
Age
Contributions
Earnings
Fees
Balance
Government Benefits & Co-contributions
Co-contribution Eligibility
-
Potential Co-contribution
$0
Spouse Contribution Offset
$0
Low Income Super Tax Offset
$0
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