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Where is your super actually heading?

Project your super balance to retirement from your current balance, salary and contribution rate. If the number surprises you — in either direction — that's precisely the conversation to have five to ten years out.

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Self-Licensed AFSL SSA™ Designated Master of Fin. Planning Fee for Service
05 — Super

Superannuation Projection

— Projected Balance at Retirement
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— Employer Contributions
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— Investment Growth
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Simplified projection with constant return and SG rate. Does not account for tax on contributions (15%), insurance premiums, fees, or contribution caps. Personal advice requires a Statement of Advice. AFSL 562647.

This calculator provides estimates only, based on simplified assumptions and the figures you enter. It does not take into account your personal objectives, financial situation or needs, and is not financial advice. Results are illustrative and actual outcomes will differ. Consider seeking personal advice before acting. Wealth Designers Advisory Pty Ltd (ABN 26 650 483 300, AFSL 562647).

Your Adviser

Self-licensed by design. Fee-for-service by choice.

Troy Gudgeon established Wealth Designers Advisory under its own Australian Financial Services Licence specifically to remove the conflicts that come with bank or institutionally-owned advisory groups. No dealer group, no product quotas — the only agenda at the table is yours.

  • 20+ years of financial planning experience across every market cycle
  • Master of Financial Planning — Kaplan Professional
  • SMSF Specialist Advisor™ (SSA™) designated
  • Member, Financial Advice Association of Australia (FAAA)
  • Self-licensed AFSL 562647 — no bank ownership, no third-party ties
  • Offices in Barangaroo (Sydney) and Brisbane CBD — advises nationally via Zoom
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Troy Gudgeon, Founding Director and Principal Adviser
Troy Gudgeon
Founding Director & Principal Adviser
MFinPlan · SSA™ · FAAA Member
Wealth Designers Advisory Pty Ltd
ABN 26 650 483 300 · AFSL 562647
Accredited SMSF Association Specialist
Common Questions

Answers about the super projection calculator.

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  • What assumptions does the projection use?
    A constant salary, contribution rate, and net return, with contributions taxed at the concessional rate. Real life is lumpier — career breaks, market cycles and rule changes all matter, which is why we model scenarios rather than single lines in an advice engagement.
  • How much super do I actually need to retire?
    It depends entirely on your spending, other assets, home ownership and Age Pension entitlement — there is no universal number. Our Retirement Readiness Check gives a more personalised read, and full modelling comes with advice.
  • Should I contribute more than the employer contribution?
    For many people approaching retirement, voluntary concessional contributions are the most tax-effective wealth-building available — but caps and eligibility rules apply, and the right amount depends on your cashflow and mortgage position.
  • What if I have multiple funds or an SMSF?
    Enter your combined balance for a rough view. Whether consolidation or an SMSF makes sense involves fees, insurance and investment considerations — Troy is an SMSF Specialist Advisor™ (SSA™) and advises on both directions.
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Wealth Designers Advisory Pty Ltd · AFSL 562647 · Advice prepared under the Corporations Act 2001