• Calculators

  • Our range of calculators is designed to help you understand your superannuation and to enable you to better plan for your retirement and achieve your financial goals.

    You should seek professional advice when making a decision to change your superannuation contributions, investments, insurance cover or other financial arrangements.

    If you need more assistance in making or confirming your choices, call us on 1300 658 776 to make an appointment to meet with a financial planner or to find out more about our financial advice services.

     

    The following calculators, with the exception of the 'Super co-contribution calculator' and 'Budget planner’, have been prepared by SCS Super Pty Limited (ABN 74 064 712 607, AFSL 230544, RSE L0002264), the Trustee of the Australian Catholic Superannuation & Retirement Fund. Any advice contained in these calculators is of a general nature only and does not take into account your personal objectives, financial situation or needs. Prior to acting on any information in any of these calculators, you need to take into account your own financial circumstances, consider the Product Disclosure Statement for any product you are considering and seek independent financial advice if you are unsure what action to take. Note that the ‘Budget planner’ is provided courtesy of the Australian Securities and Investments Commission and you will link through to its MoneySmart website to use that calculator.

  • Calculator icon - salary sacrifice  

    Salary sacrifice calculator
    Use this calculator to help you see:

    • What impact salary sacrifice can have on your take home pay
    • The difference between making before-tax (salary sacrifice) and after-tax contributions to your super
    • How salary sacrifice can add to your overall super balance. 
     
    Calculator icon - benefit projection  

    Benefit projection calculator
    Use this calculator to help you see:

    • How much you might be able to save for your retirement
    • What income you are likely to have after you retire and how long you can expect it to last
    • How your super contributions, investment options, career breaks, fees, Centrelink Age Pension and retirement age may affect your projected retirement income
    • What actions you can take to help boost your savings for retirement and achieve your desired future lifestyle.
     
    Calculator icon - insurance  

    Insurance calculator
    Use this calculator to help you see:

    • How much insurance cover you or your family may need in the unforeseen event of your temporary disablement, permanent disablement or death
    • The gap between your current amount of insurance cover and what you may need for the future
    • Some steps you can take to close any gap in your level of cover.
     
    Calculator icon - risk profile  

    Risk profile calculator
    Use this calculator to help you see:

    • The type of investor you are
    • The level of investment risk with which you are comfortable
    • Your investment time frame.


    Remember, these outcomes are meant to be a guide only and may not accurately reflect your particular circumstances. There are no right or wrong answers.

    Calculator icon - superannuation  

    Super projection calculator
    Use this calculator to help you see:

    • How much you might be able to save for your retirement
    • What income you're likely to have after you retire and how long you can expect it to last
    • How your super contributions, investment options, career breaks, fees, Centrelink Age Pension and retirement age may affect your projected retirement income
    • What actions you can take to help boost your savings for retirement and achieve your desired future lifestyle.
     
    Calculator icon - budget planner  

    Budget planner
    Use this planner to help you see:

    • Where your money is going
    • If you are spending more than you can afford
    • That your money is going towards your priorities.


    You can also track your personal expenses on the go with MoneySmart's free and easy-to-use TrackMySpend app.

    Calculator source: Australian Securities and Investments Commission, MoneySmart website.