Best Investment Calculators in Australia
Plan superannuation, SMSF investments, and retirement savings for Australia.
Introduction
Superannuation is the centrepiece of Australian retirement investment — a compulsory, tax-advantaged system that accumulates wealth over an entire career. Alongside super, Australians invest in ETFs, investment properties, and managed funds, often benefiting from the 50% Capital Gains Tax discount for assets held more than 12 months. These calculators help you model your super balance, investment returns, and tax outcomes.
Key Calculators
- Super Balance Projection Calculator — Model your superannuation balance at retirement based on current balance, income, employer contributions (12% from July 2025), and voluntary contributions. Earnings inside super are taxed at 15%: Try it →
- Concessional Contributions Calculator — Concessional (pre-tax) cap: $30,000 per year in 2025/26 (including employer contributions). Taxed at 15% inside super vs your marginal rate outside: Try it →
- Non-Concessional Contributions Calculator — Non-concessional (after-tax) cap: $110,000 per year (or $330,000 under the bring-forward rule over 3 years if balance under $1.9m): Try it →
- ETF Returns Calculator — Model returns on ASX-listed ETFs tracking the ASX 200, S&P 500, or global indices. Apply the 50% CGT discount for assets held 12+ months: Try it →
- Capital Gains Tax Calculator — Australia's CGT discount: 50% reduction in capital gain for assets held more than 12 months, then taxed at your marginal income tax rate: Try it →
Super Balance Projection at Retirement (Starting at 35, $120,000 Salary)
| Current Balance | Employer Contrib Only | + $5,000/yr Extra | + $10,000/yr Extra |
|---|---|---|---|
| $50,000 | ~$680,000 | ~$840,000 | ~$1,000,000 |
| $100,000 | ~$850,000 | ~$1,010,000 | ~$1,170,000 |
| $200,000 | ~$1,190,000 | ~$1,350,000 | ~$1,510,000 |
Tips for Australian Investors
The 50% CGT discount is one of Australia's most valuable tax concessions — where possible, hold investments for over 12 months before selling. For super, consider salary sacrificing extra contributions up to the $30,000 concessional cap; the tax saving versus your marginal rate can be 17.5–30% depending on your income. If your super balance is under $500,000, you may also be able to carry forward unused concessional contribution room from the prior five years, enabling a larger catch-up contribution in a high-income year. From age 60, super withdrawals in the retirement phase are completely tax-free for most Australians, making maximising super the most tax-efficient retirement strategy available.