Where are you now? Where do you want to be?

When you think of the future and the kind of retirement you want to have, the numbers can become overwhelming.

This modeller aims to show you visually how much super you may expect based on your current situation, and how long this might last during your retirement.

You'll also be able to see how little changes like extra contributions, the way you invest your super, or even reducing the amount you'll need each year during retirement can affect how and when you might retire.

$000,000 Income at retirement
$000,000 Projected balance at retirement
00 Run out age

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$000,000 Income at retirement
$000,000 Projected balance at retirement
00 Run out age
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If your super pension payment is less than the minimum allowed, we have assumed excess drawdown will be invested in super.


Please tell us about any additional contributions you make. The sliders are limited by your maximum available contribution.

Investment mix

See how your investment choice can affect your retirement income.

Part time work

Are you planning to work part time?

Transition to retirement

A transition to retirement strategy allows you to draw money from your super while you continue to work. You can top up your super by contributing some or all of your salary providing a tax-effective way of saving for retirement. We'll do these calculations for you to give you an idea of how much you could save.

Age pension

Help us calculate your age pension eligibility. Your age pension payments are automatically included in your retirement income

How did you go?

Whether you're on track, or look like you may need to make some adjustments to reach your retirement goals, you have several options.

Grow your super

There are a number of ways you can grow your super. The super you accumulate now provides your income in retirement - the more you save, the more likely it is that you will be able to enjoy the retirement you are dreaming of. Learn more

Not sure exactly what to do?

Remember, we're the experts in your fund. Call us to make a FREE appointment or to speak with a Member Education Consultant.

Emergency services members
1300 650 161

State super members
1300 655 476


This calculator is provided by the Emergency Services Superannuation Board ABN 28 161 296 741 the Trustee of the Emergency Services Superannuation Scheme ABN 85 894 637 037 (ESSSuper). The information contained in this calculator is of a general nature only. Before making a decision about an ESSSuper product, you should consider the appropriateness of the product to your personal objectives, financial situation and needs. It may also be beneficial to seek professional advice from a licensed financial planner or adviser. An ESSSuper PDS is available at esssuper.com.au or by calling 1300 655 476.

The purpose of this calculator is to show you how much income your super may provide you in retirement and the options you have to increase it. The calculator has not taken into account your lifestyle expenses and other commitments like a mortgage or personal loans.

ESSSuper has made reasonable efforts to ensure the accuracy of the calculator results but does not accept liability for acts or omissions based on its content. The information resulting from the calculations is general and should not be relied upon as a true representation of any actual superannuation entitlements or benefits from any particular scheme or relied on as a basis upon which to alter your financial situation without advice from a professional. You should assess your own financial situation and consult a financial adviser before you make any changes to your financial affairs.

ESSSuper is not a related party of Anthony Hodges Consulting Ltd (AHC). Neither ESSSuper, nor the Victorian Government, guarantee, endorse or accept any responsibility for the products or advice provided by AHC.

Superannuation calculator assumptions


Wage inflation of 3.5% pa has been assumed by default. This rate has also been used when discounting future amounts to current values.

Personal income

The user's salary is assumed to increase in line with wage inflation. In any future periods where the user has a period of part-time employment, their salary is reduced pro-rata.

Tax calculations allow for Personal Income Tax rates, the Medicare Levy, the Low Income Tax Offset, Debt Levy and the Senior Australian Tax Offset. Threshold and Offset amounts in the first year are based on current rates. Thereafter they are indexed in line with wage inflation.

Employer contributions

The user is assumed to receive superannuation guarantee contributions. The assumed rates of contribution are:

Financial year Rate
01/07/2013 9.25%
01/07/2014 9.50%
01/07/2015 9.50%
01/07/2016 9.50%
01/07/2017 9.50%
01/07/2018 9.50%
01/07/2019 9.50%

Superannuation guarantee contributions are subject to the maximum contribution base, which is currently $52,760 per quarter. This threshold is indexed annually in line with wage inflation.

Member contributions

Regular concessional or non-concessional contributions entered by the user are assumed to increase in each year in line with the user's salary. In any periods of part-time work, the user's contributions are assumed to decrease pro-rata.

The amount of a one-off non-concessional contribution entered by the user is assumed to be fixed, and is not indexed.

Where a concessional or non-concessional contribution exceeds the corresponding legislated contribution thresholds, the contributions are taxed accordingly. The concessional and non-concessional contribution thresholds are indexed in line with the assumed rate of wage inflation.

Contributions are assumed to be spread evenly across the year.


In each projection year, the user's eligibility for a Government co-contribution is assessed based on their salary and non-concessional contributions. A co-contribution is made to the superannuation account if applicable.

The co-contribution thresholds and maximum amount are indexed in line with wage inflation.

Investment earnings

Based on the investment option selected, the member's superannuation and pension accounts are assumed to earn anticipated investment returns of between 2.95% and 7.50% per annum before fees and tax. The earning rates provided below represent the long term target returns (see Annual report) for each investment option. Earnings in the superannuation account are assumed to be taxed at the relevant rate (based on the percentage of funds invested in shares, and allowing for dividend imputation and the capital gains tax concession). Earnings in the pension account are assumed to be tax-free.

Investment earnings are assumed to be credited continuously to the fund.

CPI^Retirement Income Stream phase return (after fees)Working Income Stream and Accumulation phase return (after fees and taxes)Investment fee+
Standard Investment Options
Shares Only2.50%7.50%7.00%0.78%
High Growth2.50%7.50%7.00%0.86%
Growth (default)2.50%6.50%6.00%0.77%
Alternative Investment Options
Basic Growth2.50%6.50%6.00%0.36%#
Ethically Minded2.50%6.50%6.00%0.82%#
Term deposits*3.46%2.95%0.06%

^CPI set at the mid point of the RBA 2-3% target.

*Objective based on annualised Cash Option returns (7yrs to 31/12/16).

+Investment fees are inclusive of management, underlying and performance fees.

#The investment fee is an estimate of the fees if the option had been available in the 2015/16 financial year.

Fees and insurance premiums

Fees and insurance premiums are assumed to be as follows:

Administration fee (% of account balance) 0.25% (subject to a maximum of $1,500 p.a. when combined with Account keeping fee)
Account keeping fee (per annum) $52.00
Contribution fee (% of contribution) 0.00%
Insurance premiums (per annum) $156.54
Adviser service fee (% of assets) 0.00%

Fees are assumed to be tax-deductible in the fund. Contribution fees are assumed to be deducted at the time of contribution. Other fees and insurance premiums are deducted continuously.

Flat dollar account keeping fees and insurance premiums are assumed to increase in line with the assumed level of general wage inflation. Other fees are assumed to remain constant in percentage terms over the projection period.

Life expectancy

Life expectancies allow for future mortality improvements. They were derived based on the medium mortality rate assumptions in the Australian Bureau of Statistics in "Population Projections 2006-2101".

Age pension

Current age pension thresholds and rates of payment are allowed for, based on the Single/Couple and Homeowner status of the user. Thresholds and rates of payment are indexed in line with CPI.

The age pension is subject to an asset test and an income test.

The asset test is based on the accrued balance of superannuation assets and other assets.

The age pension income test is based on deemed, rather than actual income on superannuation and other assets.

Transition to retirement

The transition to retirement optimisation: assumes that the user continues working at the same rate; makes additional salary sacrifice contributions and draws a pension such that their net income remains constant; calculates the contribution and drawing level which maximises the benefit within the superannuation environment.


The drawings from superannuation in retirement are calculated as: required income less other income (as entered by the user) less any age pension amounts (as calculated by the program).

Minimum drawings

There are statutory minimum superannuation drawings in both the transition to retirement (TTR) phase and in retirement (once funds have been converted to the pension phase). For the purpose of this projection, this minimum is effectively ignored in the TTR phase, on the basis that any excess drawings could be re-contributed as non-concessional contributions. Minimum drawing requirements are also ignored in the retirement phase. Though the funds would have to be withdrawn from superannuation, if they were not required to be spent to meet the individual's target income, they would still be available, say in a bank account. Seen from the perspective of retirement funding, and without the complication of including an account external to superannuation, it seems better then to ignore the minimum drawing levels.

Edit Assumptions

The wage inflation slider represents changes to the Average Weekly Ordinary Time Earnings (AWOTE) rather than your personal salary expectation. It is used to discount future amounts into current values.

Edit user defined investment option