Step 1: Your financial details
Please enter your income and superannuation contribution
Income details
Gross income
Current superannuation contribution rates
Salary sacrifice (before tax)

Assumptions and limitations

Today's dollars and discounting for inflation

  1. The investment balance calculated is shown in today's dollars and has been discounted for inflation. By discounting for inflation, the investment balance seeks to provide an indication of the purchasing power of the balance in today's dollars (as prices are assumed to increase in the future).
  2. The default inflation rate used to discount future returns back to today's dollars is based on the mid-point of the RBA's target range for price inflation (CPI) of 2.5% plus 1.0%. Historic analysis indicates a medium-term difference between price (CPI) and salary inflation of approximately 1.0%. Accordingly, the default inflation assumption is 3.5% (i.e. 2.5% price inflation plus a margin over this of 1.0%). The actual rate of inflation may differ significantly from this assumption.


  1. It is assumed that regular contributions are paid evenly over the policy year.
  2. It is assumed that future lump sum contributions are paid at the end of the policy year.
  3. You can make additional contributions during the first 12 months. After the first Bond anniversary, you may invest up to 125% of the total amount invested in the previous Bond Year without changing the original start date for tax purposes. This means that additional investments can have a term of less than 10 years, and the growth or earnings can still be withdrawn after 10 years from the start date without further taxation implications.
  4. If you elect to increase your contributions in line with inflation, contributions will be increased by 3.5% p.a. which is based on the default inflation assumption noted in paragraph 15 above (up to a maximum of 125%).


  1. The calculator assumes that the date set on your computer is correct. Projections are started from this date.
  2. The amounts shown are a guide only. They do not represent the performance of any particular investment. They depend on the assumptions being accurate and if there is any change in the assumptions, the amounts will change