Your superannuation details
About you
Your super
Retirement needs
Super at retirement
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projected balance
Super needed
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to fund retirement
Super gap
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Years to retirement
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to build your super
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Your super projection breakdown
Current super balance—
Employer contributions (11.5%/yr)—
Your extra contributions—
Investment growth—
Career break impact—
Projected balance at retirement—
💜 Personalised tips to boost your super
Superannuation tips for Australian women
The gender super gap is real
Australian women retire with on average 47% less superannuation than men. Career breaks, part-time work and the gender pay gap all compound over decades of lower contributions.
Make voluntary contributions
Even $50-100 extra per week into super makes a massive difference thanks to compound growth over 10-20 years. Concessional contributions are taxed at only 15% — often lower than your marginal rate.
Spouse contribution splitting
If your partner earns more, they can split up to 85% of their concessional contributions into your super account. This directly addresses the gender super gap and may provide tax benefits.
Government co-contribution
If you earn under $58,445 and make after-tax super contributions, the government will co-contribute up to $500 per year — free money that many women miss out on.
Check your fund's performance
Not all super funds perform equally. Switching from a poor-performing fund to a top-quartile fund could add tens of thousands to your balance over 10-20 years. Use ATO's YourSuper comparison tool.
Find lost super
Australians have billions in lost super from old jobs. Check myGov → ATO → Manage my super to find any lost accounts. Consolidating saves fees and boosts your final balance.
Frequently asked questions
How much super do I need to retire comfortably in Australia?
The Association of Superannuation Funds of Australia (ASFA) estimates that a comfortable retirement for a single person requires approximately $595,000 in super (2024 figures), assuming you own your home and receive some age pension support. A modest retirement requires around $100,000. These figures assume you draw down your super over approximately 20-25 years in retirement.
Why do women have less superannuation than men?
Three main factors: the gender pay gap (women earn on average 14% less than men), career breaks for caring responsibilities (which pause super contributions), and more time in part-time work. These compound over decades — a woman taking 5 years off for caring can lose tens of thousands in super contributions and investment growth.
What is the superannuation guarantee rate in 2025?
The superannuation guarantee rate is 11.5% of ordinary time earnings from 1 July 2024. It will increase to 12% from 1 July 2025 where it will remain. Your employer must pay this into your nominated super fund at least quarterly.
Can I access my super before retirement?
Generally no — super is preserved until you reach your preservation age (60 for most people born after 1 July 1964) and retire, or turn 65. There are limited compassionate grounds for early access, including severe financial hardship, terminal illness or permanent disability.
What is the age pension and will I qualify?
The age pension is a government payment for Australians aged 67+ who meet income and assets tests. The maximum single rate is approximately $1,144 per fortnight (2024). Many retirees receive a partial pension even with significant super savings. Use Services Australia's online estimator to check your eligibility.