10 calculators Updated for 2026–27
Superannuation calculators
The super your employer must pay, what can go in before the tax penalty, and how much you can take out once you retire.
Super guarantee
The 12% your employer must pay on top of your salary, and the maximum contribution base.
Contributions caps
How much can go into super before the tax penalty — both the before-tax and after-tax kinds.
Salary sacrifice
How sacrificing into super changes your tax and your take-home pay.
Super co-contribution
The government adds 50c for every dollar you put in, up to $500.
Carry-forward contributions
Unused before-tax super cap from up to five years, and the balance test that unlocks it.
Division 293 tax
The extra 15% on contributions once income and contributions pass $250,000.
Spouse contributions
Up to $540 off your tax for contributing to a lower-earning spouse’s super.
Minimum drawdown
The least you must take out of a retirement pension each year — 4% at 64, 14% at 95.
Accessing your super
The age you can first touch your super (55–60, by birth year), and what else has to happen.
Lost and inactive super
When a quiet account gets handed to the ATO.
Every calculator on this page shows the official rates it uses and the date we last checked them, so you can look up the figure yourself before you rely on it. See how we build these.
Other topics
Pay & tax
What you actually take home — 11 calculators
Study loans
HECS, HELP and the rest — 7 calculators
Family & child care
Payments, subsidies and tests — 8 calculators
Property & renting
Investors, landlords and renters — 7 calculators
Centrelink & payments
What each payment actually pays — 11 calculators
Visas & migrants
Four tax scales, one country — 7 calculators
All 61 calculators
The whole list on one page, with a search box.