Assumptions:

Results are shown in nominal dollars (not inflation-adjusted).

Income and extra contributions grow by 2.5% each year in line with CPI.

Contribution caps are not considered.

Tax brackets are fixed in nominal terms, so as income rises with CPI, marginal tax rates may increase (“tax bracket creep”).

Employer Super Guarantee (SG) contributions are 12% of income.

15% contributions tax applies to all employer and extra contributions.

15% earnings tax is applied implicitly by using net investment returns.

Investment returns and fees are applied annually.

No withdrawals, government offsets, insurance deductions, or interruptions to contributions are included.

Calculations are illustrative estimates only and do not constitute financial advice.

Disclaimer:
This calculator is for education purposes only and is not financial or tax advice. ‘Super Builder’ is a professional strategy done in partnership with RightTrac Financial Planning.