Calculators

Calculators are a great way to see what difference a change could have on your account before you make it.

Insurance needs

See how much insurance cover you need, now and later.

Tax calculator

See how much tax you pay now and could save by making a contribution into your super.

MoneySmart calculators

MoneySmart provides a  number of free useful calculators to help you plan for your future – see how they can help you.

Superannuation calculator

Get an estimate of what your super balance will be when you reach retirement.

Contributions optimiser

See the difference extra contributions could make to your super.

Retirement planner

Do you know how long your pension will last? Planning now could help benefit you later.

Employer contributions

See how much super your employer should be paying for you.

Account-based pension

See how long your super will last as a pension account.

Super and Age Pension

Do you know when you can access your super and apply for the Age Pension?

Savings goal calculator

See how to set and achieve a savings goal.

Budget planner

Do you know where your money is going? A budget planner is a great way to keep track of your expenses and savings.


All online calculators simply provide predictions of what could happen in the future. Don't make decisions based solely on the outcome of a calculator and always consider getting licensed financial advice when making super or retirement plans.

If you have any questions related to the Moneysmart calculators, the assumptions behind their calculations or any other queries related to their tools, please head to the MoneySmart website.