SUPERANNUATION / PENSION CALCULATOR

Use this compound interest calculator to see how your money grows over time through compounding. Calculate future value based on interest rate, contribution amount, compounding frequency, and investment period.

This tool helps you understand the power of long-term investing and how small, consistent contributions can significantly increase your returns.

Inputs

Country (for context only)

Used only to show context notes. The calculator does not pull any real products or legal rules.

Currency label (for your reference)

All numbers are treated as your local currency. No FX conversion is done here.

Current age

Planned retirement age

Planning horizon only, not a legal retirement age.

Current superannuation / pension balance

Current gross annual income

Used to estimate future contributions as a % of income.

Employer / mandatory contribution (% of income)

Voluntary / personal contribution (% of income)

Expected investment return (% per year)

Estimated annual fees (% of balance)

Simple % used to approximate ongoing admin & investment fees.

Annual income growth assumption (% per year)

Retirement drawdown rule (% per year, e.g. 4%)

Rough idea of possible annual income in retirement (before tax).

This is a simplified projection. Real products, tax rules, and contribution caps vary by country and can change over time.

Results

To see a projection, please enter your current age, planned retirement age, current balance, annual income, employer / mandatory contribution rate, and expected investment return. Other fields are optional but helpful.

How to Read the Results

The results estimate your potential retirement balance based on contribution levels, investment returns, and time to retirement. Small changes in contribution rates, fees, or assumed returns can significantly affect long-term outcomes. Use this calculator to explore scenarios and understand trends, not to forecast exact retirement income.

Common Use Case

Related Calculators

→ FIRE Calculator
→ Compound Interest Calculator
→ Cost of Living Planning Calculator

Disclaimer

All calculations provided on Calcufinder are estimates for general informational and planning purposes only. Retirement outcomes depend on assumptions, market conditions, and fees. This tool does not provide financial, tax, or retirement advice.