Best Investment Calculators in Australia

The value of investments can fall as well as rise, and you may get back less than you put in. This article is general information, not personal advice.

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%: Open the Super Balance Projection Calculator
• Concessional Contributions Calculator — Concessional (pre-tax) cap: $32,500 per year in 2026/27 (including employer contributions). Taxed at 15% inside super vs your marginal rate outside: Open the Concessional Contributions Calculator
• Non-Concessional Contributions Calculator — Non-concessional (after-tax) cap: $130,000 per year from 1 July 2026 (up to three years' worth under the bring-forward rule, depending on your total super balance): Open the Non-Concessional Contributions Calculator
• 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: Open the ETF Returns Calculator
• 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: Open the Capital Gains Tax Calculator

Super Balance Projections

Your super balance at retirement depends on assumptions that are different for everyone: investment returns, fees, wage growth, how much you add yourself and when you retire. Run the super projection calculator with your own figures rather than relying on a single example, and remember that returns are not guaranteed.

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 $32,500 concessional cap; the tax saving versus your marginal rate can be significant 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.