Balance by yearly return
| Return | Balance after 30 years |
|---|---|
| 4% | $571,958 |
| 5% | $682,605 |
| 6% | $819,542 |
| 7% | $989,385 |
| 8% | $1,200,426 |
How it's calculated
- Each year your contribution and your employer's are added (mid-year on average).
- The balance grows by the yearly return you choose.
- Your salary rises by the pay rise you enter.
Figures are before inflation and fees. Contribution tax (for example 15% on concessional super contributions) is not deducted.
Questions people ask
What return should I assume?
Long-run stock market returns have averaged about 7% a year before inflation, but a mixed portfolio and fees usually bring that lower. Try a few rates in the table.
Reviewed by Soufyane S.. Last updated Oct 25, 2026. How we check numbers
Estimates for information only, not tax, legal or financial advice. Check with an adviser or the official tax authority.