Contribution breakdown
Employer super$13,200
Salary sacrifice$5,000
Employee after-tax$1,000
Deductible personal$0
Existing concessional$0
Employees and advisers
Super Preservation Age Calculator
Estimate Australian super preservation age from date of birth and view related retirement access notes.
How this estimate works
This calculator estimates preservation age from date of birth. Access to super also depends on conditions of release.
Using 2026-27 assumptions: SG 12%, concessional cap $30,000, Division 293 threshold $250,000.
Estimated preservation age
60
Employer super
$13,200
Employee contributions
$1,000
Salary sacrifice
$5,000
Total contributions
$19,200
Remaining concessional cap
$11,800
Estimated tax savings
$750
Employer total cost
$123,200
Tax and cap detail
- Annual income
- $110,000
- Ordinary time earnings
- $110,000
- Concessional contributions
- $18,200
- Remaining cap
- $11,800
- Excess concessional estimate
- $0
- Division 293 taxable contributions
- $0
- 5-year contribution projection
- $96,000
Frequency summary
| Item | Annual | Monthly | Fortnightly | Weekly |
|---|---|---|---|---|
| Employer super | $13,200 | $1,100 | $508 | $254 |
| Employee contributions | $1,000 | $83 | $38 | $19 |
| Salary sacrifice | $5,000 | $417 | $192 | $96 |
| Total contributions | $19,200 | $1,600 | $738 | $369 |
| Employer total cost | $123,200 | $10,267 | $4,738 | $2,369 |
Example
Someone born on or after 1 July 1964 generally has a preservation age of 60.
ATO guidance
FAQs
Is preservation age the same as Age Pension age?
No. Preservation age relates to super access rules. Age Pension age is a separate social security concept.
Can I access super at preservation age automatically?
Not always. You must also meet a condition of release, such as retirement or transition-to-retirement rules.
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