FunanceProjection to your retirement age
Your balance carried forward with contributions and a growth assumption you set, to the age you actually plan to stop, not a default 67.
Superannuation for Australian householdsAre we going to have enough?
Super is the largest asset most Australians will ever own and the one they look at least. A projection turns an abstract balance into a number you can do something about while there is still time.
Free forever · no card required · no bank login · runs in your browser
The uncomfortable thing about superannuation is that the decisions with the most leverage are the ones you make earliest, and the feedback arrives decades later. A small change to your contribution rate at 35 does more than a large one at 58.
Funance projects your balance to your target retirement age from your actual balance and contribution rate, at one, three, five and ten-year horizons as well as the full run.
It also flags the two things Australians most often leave on the table: unused concessional cap, and salary sacrifice that would be taxed at 15% instead of your marginal rate.
| Rule | Setting |
|---|---|
| Super Guarantee rate | 12% |
| Concessional contributions cap | $30,000 a year |
| Concessional contributions tax | 15% |
| Carry-forward window | 5 years |
| Carry-forward balance test | Under $500,000 |
2026-27 settings. Estimates for planning, not financial advice.
What it surfaces
What the tool actually does
Carry-forward opportunities
Unused concessional cap can be carried forward for five years if your balance is under $500,000. It is one of the most commonly missed opportunities in the system.
Salary sacrifice modelling
Concessional contributions are taxed at 15%. If your marginal rate is higher, the difference is the whole argument, and it depends on the bracket the tax engine already knows.
Both partners, separately
Caps and balances are per person. Funance models each partner rather than treating super as one household pot.
What you need
- Current super balance, per partner
- Your gross salary
- Any salary sacrifice already in place
- Your target retirement age
Questions
The things everyone asks
What is the concessional contributions cap?
The annual concessional cap is $30,000, which includes your employer's Super Guarantee contributions. Contributions within the cap are taxed at 15% rather than your marginal rate.
What is carry-forward and do I qualify?
If you do not use your full concessional cap, the unused portion can generally be carried forward for up to five years, provided your total super balance is under $500,000. Funance flags when this appears to apply to you.
Is this financial advice?
No. Funance provides general information and planning tools only. It does not take your objectives or circumstances into account. Consider speaking to a licensed financial adviser before acting.
Related
Other things you can work out here
Net worth calculator Australia
Income tells you what came in. Net worth tells you whether any of it stayed. It is the single most useful number a household can track, and almost nobody tracks it.
Net worth calculator →Personal finance app for Australia
Most finance apps are international products with the currency symbol swapped. Funance is built around the ATO, the states and the super system, because those are the rules that actually decide what you keep.
Personal finance app for Australia →Savings goal calculator
A savings goal is easy to set and hard to sanity-check, because the honest answer depends on every other commitment you already have. Funance builds the timeline from what is genuinely left over.
Savings goal calculator →Know where your money goes.
Know where you're going.
Set up your household in about ten minutes. No bank login, no card, no commitment.
Free forever · no card required · no bank login · runs in your browser