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Dashboard Dashboard
Account Balance Account Balance
Investments Investments
Account Activity Account Activity
Beneficiaries Beneficiaries
Find My Super Find My Super
Contribution Contribution
Withdrawals Withdrawals
Forms and resources Forms and resources
Insurance Insurance
Contact Us

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If you need the information urgently, phone our Helpline on 1300 133 177, Monday to Friday between 8am - 8pm AEST/AEDT. 

If calling from outside Australia phone +61 3 8687 1818.

Your retirement profile

Your account balance

$

Your Account balance consists of:


$

if you take your super today


$

Preserved Amount

(can be accessed at retirement)

 

$

Non Preserved Amount

 


Your non preserved component consists of:

$

Tax Free Amount

 

$

Taxable Amount

 


WE ESTIMATE YOU'LL HAVE

$

super balance in {}

Retiring now with

 

$

income P.A

 

{}

of retirement income

 

{}

of what you need


Estimations: close

The percentage “of what you need” is an estimate based on your projected final balance and a benchmark related to the ASFA comfortable retirement income. This income may not suit your personal needs (see Important information link below). Changes you make on this page won't affect your account and won’t appear on your dashboard.


Your Account balance consists of:


$

if you take your super today

$

Preserved Amount

(can be accessed at retirement)

$

Non Preserved Amount

Your non preserved component consists of:

$

Tax Free Amount

 

$

Taxable Amount

 

This area contains the data and assumptions used in your retirement estimate. You can change the inputs on the controls below, and click Update to see the results.

YOUR RETIREMENT ESTIMATE IS BASED ON

Salary :

Default -

Desired income in retirement p.a. :

Default -

Retire at age :

Default -

More

ADDITIONAL INFORMATION ABOUT YOU

You can further customise your retirement estimate with the input sliders below. Click Update to refresh your estimate.

I am partnered
Yes No

I am homeowner
Yes No

I am self-employed
Yes No

Strategy :

Default -

Employer contributions (%) :

Default -

Member Contributions (%) :

Default -

Salary sacrifice contribution p.a. :

Default -

After tax contribution p.a. :

Default -

One-off contribution / rollover now :

Default -

Adjust default returns by :

Default -

Asset-based fee :

Default -

Admin fee :

Default -

Insurance fee :

Default -

Inflation (CPI) :

Default -

About your benefits

If you are an Accumulation member, your benefit builds up with contributions and investment earnings, and is reduced by deductions for fees, premiums and taxes.

If you are a Defined Benefit member, the benefit you receive is based on a formula that includes your service-based accrued multiple, your final average salary and your age.

For further information on how your benefits are calculated, please refer to the latest Supplementary report here
or contact us on 1300 133 177.

Important information

Salary

Your annual salary before tax and any reduction for personal or salary sacrifice contributions. The default value of Salary has been estimated based on your employer contributions.

Desired Income in Retirement P.A.

This is the total income you would like to live on in retirement, in today’s dollars. The calculation assumes this will be indexed at 2.5% p.a. in retirement. The default value is set to the ASFA Comfortable level for singles. If you are partnered, enter half of what you will need as a couple.

Retire at Age

The default retirement age is the greater of 67 and your next age.

Partnered

You can indicate your expected partner status at retirement

Homeowner

You can indicate your expected homeowner status at retirement

Self-Employed

Indicate here whether you are self-employed. If you are self-employed, the calculation will assume you do not receive employer contributions

Strategy

Indicate your investment strategy here. If you invest in multiple options, or your option is not listed, select the one closest to your overall portfolio. You can view the default returns for the different options by clicking through to Important information and More information.

Employer Contributions

Set your employer contribution rate here. For most people this will be the current Super Guarantee rate

Salary Sacrifice Contribution P.A.

The annual amount of salary sacrifice contributions you make (if applicable). Salary sacrifice contributions are contributions made from your pre-tax salary. Note that salary sacrifice contributions include any contributions for which a tax deduction is claimed. The estimate assumes this will increase at the same rate as your salary. Remember both employer contributions and salary sacrifice contributions count towards your concessional contributions cap.

After Tax Contribution P.A.

The annual level of after-tax contributions you pay. The estimate assumes these will increase at the same rate as your salary.

One Off Contribution / Rollover Now

This refers to a one-time after-tax contribution or rollover you expect to make. If you have super outside of this account, you can include it here.

Adjust Default Returns By

Use this slider to increase or decrease the default investment return if you anticipate it may be different from the long-term return for the selected option.

Asset Based Fee

Asset-based fees are the fees that are expressed as an annual percentage of your super balance. The default value is the standard rate for your account, but you may receive an employer-based discount

Insurance Fee

The default value is based on your current annual insurance premium. The estimate will deduct this amount from your super each year until you retire.

Admin Fee

The default value is your current standard dollar admin fee. The estimate will deduct this amount from your super each year until you retire.

Inflation (CPI)

This is the rate of future price inflation relevant to the area you work and transact. The default value of 2.5% p.a. has been set by ASIC.

Retirement Estimate

Super disclaimer content:

The estimate shown here is based on the following information about you:

  • Your age and period to retirement (in whole years)
  • Your account balance
  • An estimate of your salary based on employer contributions
  • Your current insurance premium
  • The administration fees payable on your account

It also includes assumptions about:

  • Investment earnings and fees on your super
  • Inflation
  • Employer contributions at the SG rate
  • No voluntary contributions
  • Your partner and homeowner status
  • Your desired retirement income

You can view and change these assumptions, but any updates will not affect your account or appear on your Dashboard.

This estimate does not consider your personal objectives, financial situation or needs. For personal financial advice, please contact us to speak to a financial adviser.

ADVICE AND EDUCATION

With services including seminars, financial planning and NGS MoneyCoach, we're here to provide the right tools, education and advice to help you during every stage of your journey.
Learn more

INVESTMENT PERFORMANCE

See how your investments performed. You can also check out current and past performance summaries.
Find out more

COMBINE YOUR SUPER

Quickly and easily consolidate all your super accounts with NGS Super to avoid unnecessary fees.
Consolidate now

Disclaimer Estimations Contribution caps

The estimate shown here is based on the following information about you:

• Your age

• Your account balance

• The amount you are currently drawing from your account

• The administration fees payable on your account

It also includes assumptions about:

• Investment earnings and fees on your super

• Inflation

• Your partner and homeowner status

• Your desired retirement income

• The period your super should last in retirement

The estimate shown here is based on your age, your account balance and assumptions about:

  • your salary
  • employer contributions at the Super Guarantee rate
  • investment earnings on your super
  • fees charged to your account
  • inflation
  • your eligibility for the Age pension
  • your retirement age; and
  • amount of retirement income required for 25 years in retirement

You can view and change these values on the Account balance page, but updates will not affect your account or appear on your Dashboard.

The estimate does not consider your personal objectives, financial situation or needs. For personal financial advice, please contact us to speak to a financial adviser.

You can put as much as you like into your super, but the amount for which you receive tax concessions is limited by contributions caps.

Benefit Estimate Disclaimer

The estimate of your benefit provided on this website does not describe all of the conditions affecting the amount and its availability. Benefits are determined in accordance with the Trust Deed, Trustee determinations and Government regulations. The estimate should therefore be read in conjunction with the information contained in the product disclosure statement and other documents sent to you.

If you are a defined benefit member and have recently ceased employment or elected Choice of Fund, the quotations provided on this website may not reflect your actual final entitlement if notice of your cessation of employment or the effective date of your Choice of Fund has not yet been received and fully processed by the Administrator.

The estimate does not guarantee that you will receive a particular benefit and is based on information available to the Trustee at the time this calculation has been processed. At the time of payment, your benefit may be subject to other deductions due but not yet posted to your member account balance. The unit prices used when paying your benefit will be those available at the time your benefit is processed by the Administrator. If you have requested an investment switch which has not been processed, this will affect the benefit displayed here.

While all reasonable efforts have been made to ensure the information contained in this estimate is correct, the Trustee reserves the right to correct any error or omission. You should not enter any commitments based solely on the information contained in this estimate.

If any of your personal details are incorrect, the benefit estimate may be affected. If you require a confirmation of your estimate or further information about your benefit, please contact the Helpline.

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Copyright 2025 Mercer LLC. All rights reserved

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