Emma's Superannuation Calculator

	A	B	C	D	E	F	G	H	I	J	K	M	N
1	Year no.	Year	Age	Pre-tax salary	Superannuation guarantee + voluntary contribution	Superannuation guarantee tax	Super contribution (after SG tax)	Estimated returns	Estimated superannuation balance (end of year)	Inflation factor	Inflation adjusted total
2	1	2016	25	60,000.00	7,500.00	1,125.00	6,375.00		6,375.00	1.00	6,375.00	Contributing factors
3	2	2017	26	61,500.00	7,687.50	1,153.13	6,534.38	446.25	13,355.63	1.02	13,093.75	Starting age	25
4	3	2018	27	63,037.50	7,879.69	1,181.95	6,697.73	934.89	20,988.25	1.04	20,173.25	Starting salary	$60,000.00
5	4	2019	28	64,613.44	8,076.68	1,211.50	6,865.18	1,469.18	29,322.61	1.06	27,631.35	Starting super balance	$ -
6	5	2020	29	66,228.77	8,278.60	1,241.79	7,036.81	2,052.58	38,412.00	1.08	35,486.75	Inflation rate	2%
7	6	2021	30	67,884.49	8,485.56	1,272.83	7,212.73	2,688.84	48,313.57	1.10	43,759.08	Wage raise rate	2.50%
8	7	2022	31	69,581.61	8,697.70	1,304.66	7,393.05	3,381.95	59,088.56	1.13	52,468.95	Savings rate (pre-tax salary)	12.50%
9	8	2023	32	71,321.15	8,915.14	1,337.27	7,577.87	4,136.20	70,802.63	1.15	61,637.95	ROI to age 55	7.00%
10	9	2024	33	73,104.17	9,138.02	1,370.70	7,767.32	4,956.18	83,526.13	1.17	71,288.75	ROI from age 55	5.00%
11	10	2025	34	74,931.78	9,366.47	1,404.97	7,961.50	5,846.83	97,334.47	1.20	81,445.13	ROI from age 67	3%
12	11	2026	35	76,805.07	9,600.63	1,440.10	8,160.54	6,813.41	112,308.42	1.22	92,132.02	Concessional contribution tax*	15%
13	12	2027	36	78,725.20	9,840.65	1,476.10	8,364.55	7,861.59	128,534.56	1.24	103,375.59
14	13	2028	37	80,693.33	10,086.67	1,513.00	8,573.67	8,997.42	146,105.64	1.27	115,203.30
15	14	2029	38	82,710.66	10,338.83	1,550.82	8,788.01	10,227.40	165,121.05	1.29	127,643.94
16	15	2030	39	84,778.43	10,597.30	1,589.60	9,007.71	11,558.47	185,687.23	1.32	140,727.71
17	16	2031	40	86,897.89	10,862.24	1,629.34	9,232.90	12,998.11	207,918.23	1.35	154,486.31
18	17	2032	41	89,070.34	11,133.79	1,670.07	9,463.72	14,554.28	231,936.23	1.37	168,952.98
19	18	2033	42	91,297.10	11,412.14	1,711.82	9,700.32	16,235.54	257,872.09	1.40	184,162.59
20	19	2034	43	93,579.52	11,697.44	1,754.62	9,942.82	18,051.05	285,865.96	1.43	200,151.73
21	20	2035	44	95,919.01	11,989.88	1,798.48	10,191.39	20,010.62	316,067.97	1.46	216,958.78
22	21	2036	45	98,316.99	12,289.62	1,843.44	10,446.18	22,124.76	348,638.91	1.49	234,623.99
23	22	2037	46	100,774.91	12,596.86	1,889.53	10,707.33	24,404.72	383,750.97	1.52	253,189.61
24	23	2038	47	103,294.28	12,911.79	1,936.77	10,975.02	26,862.57	421,588.55	1.55	272,699.93
25	24	2039	48	105,876.64	13,234.58	1,985.19	11,249.39	29,511.20	462,349.14	1.58	293,201.44
26	25	2040	49	108,523.56	13,565.44	2,034.82	11,530.63	32,364.44	506,244.21	1.61	314,742.90
27	26	2041	50	111,236.65	13,904.58	2,085.69	11,818.89	35,437.09	553,500.20	1.64	337,375.46
28	27	2042	51	114,017.56	14,252.20	2,137.83	12,114.37	38,745.01	604,359.58	1.67	361,152.76
29	28	2043	52	116,868.00	14,608.50	2,191.28	12,417.23	42,305.17	659,081.97	1.71	386,131.11
30	29	2044	53	119,789.70	14,973.71	2,246.06	12,727.66	46,135.74	717,945.37	1.74	412,369.55
31	30	2045	54	122,784.44	15,348.06	2,302.21	13,045.85	50,256.18	781,247.39	1.78	439,930.02
32	31	2046	55	125,854.05	15,731.76	2,359.76	13,371.99	39,062.37	833,681.75	1.81	460,251.43
33	32	2047	56	129,000.41	16,125.05	2,418.76	13,706.29	41,684.09	889,072.13	1.85	481,206.71
34	33	2048	57	132,225.42	16,528.18	2,479.23	14,048.95	44,453.61	947,574.69	1.88	502,814.69
35	34	2049	58	135,531.05	16,941.38	2,541.21	14,400.17	47,378.73	1,009,353.60	1.92	525,094.74
36	35	2050	59	138,919.33	17,364.92	2,604.74	14,760.18	50,467.68	1,074,581.46	1.96	548,066.81
37	36	2051	60	142,392.31	17,799.04	2,669.86	15,129.18	53,729.07	1,143,439.71	2.00	571,751.43
38	37	2052	61	145,952.12	18,244.01	2,736.60	15,507.41	57,171.99	1,216,119.11	2.04	596,169.74
39	38	2053	62	149,600.92	18,700.12	2,805.02	15,895.10	60,805.96	1,292,820.17	2.08	621,343.51
40	39	2054	63	153,340.94	19,167.62	2,875.14	16,292.48	64,641.01	1,373,753.65	2.12	647,295.12
41	40	2055	64	157,174.47	19,646.81	2,947.02	16,699.79	68,687.68	1,459,141.12	2.16	674,047.65
42	41	2056	65	161,103.83	20,137.98	3,020.70	17,117.28	72,957.06	1,549,215.46	2.21	701,624.83
43	42	2057	66	165,131.43	20,641.43	3,096.21	17,545.21	77,460.77	1,644,221.45	2.25	730,051.11
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45	The data analyses provided does not constitute investment advice, is provided solely for information purposes; is not an offer to buy or sell a security; and is not warranted to be correct, complete or accurate. Morningstar is not responsible for any investment decisions, damages or losses resulting from, or related to, the data and analyses or their use. To the extent any content is general advice, it has been prepared without reference to your investment objectives, financial situations or needs. You should consider the advice in light of these matters and if applicable the relevant Product Disclosure Statement before making any decision to invest. Past performance does not necessarily indicate a financial product’s future performance.
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