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Interactive projections
Adjust earnings, fees, contributions, and retirement age. Tables and charts update instantly.
not for professional use
Superannuation Projection Simulator
Model Australian superannuation balances directly in your browser. Add per-year return schedules and presets, compare accumulation and pension phases, and export year-by-year results.
Plan with clarity and transparency
Built as single-file HTML apps, the simulator and guide run entirely in the browser. No accounts, no servers—just fast, private projections for scenario planning and communication.
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Accumulation & Pension
Separate handling for each phase, aligning with realistic retirement scenarios.
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Scenario comparisons
Quickly test multiple what‑ifs and compare outcomes to guide decisions.
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CSV export
Download year‑by‑year outputs for audit, sharing, or further analysis.
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Privacy‑friendly
All calculations run locally. Preferences (e.g., theme) stay in your browser.
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Year‑by‑year breakdown
Clear annual tables and charts help explain changes over time to stakeholders.
Assumptions & disclaimers
- Not for professional use — general information only; not tax or financial advice.
- As at: 23 August 2025 (Australia/Sydney) — laws and ATO guidance may change; always confirm using the ATO links.
- Model simplifications — rules are simplified for planning. See Rules & Compliance for detailed guardrails and sources.
- Dollar amounts are rounded to whole numbers; accumulation earnings tax is applied at 15% and pension earnings generally exempt (ECPI) for standard ABPs.
- For a control‑by‑control mapping of rules to inputs/validations, see the Rule‑to‑UI Crosswalk.
Get started in seconds
- Open the Companion to use the simulator with the guide alongside.
- Or open the Simulator directly to start modelling.
- See assumptions and instructions in the User Guide.
- Review the Rules & Compliance for assumptions, guardrails and ATO references.
- Explore the Rule‑to‑UI Crosswalk to see how ATO rules map to inputs, validations and outputs.