Retirement Details — Super, Salary and Income Targets Australia
Super, salary, contributions and the income targets your report will test.
Retirement Details — Super, Salary and Income Targets Australia
Stage 2 of your retirement plan
Answer one money question at a time. These inputs help Pension Pilot understand super, salary, contributions, and the income targets you want the report to test.
What is Person 1’s current super balance?
This tells the report how much retirement money is already available before future growth, fees, contributions, or withdrawals.
What is Person 2’s current super balance?
For couples, this lets the report model both super balances instead of treating the household as one person.
What is Person 1’s current annual salary?
Salary helps estimate employer super contributions and how long work income may support the household before retirement.
What is Person 2’s current annual salary?
This adds the second person’s work income and contribution base so the household picture is more complete.
Employers must pay 12% super guarantee on top of salary. The concessional (before-tax) super cap is $32,500 a year for 2026-27, and that cap includes employer contributions plus anything extra you add yourself. For example:
- $100,000 salary – employer pays about $12,000/year (about $231/week). Room for about $394/week extra before hitting the cap.
- $150,000 salary – employer pays about $18,000/year (about $346/week). Room for about $279/week extra before hitting the cap.
- $200,000 salary – employer pays about $24,000/year (about $462/week). Room for about $163/week extra before hitting the cap.
Does Person 1 add extra super each week?
Extra weekly contributions can build the super balance faster, so the report needs them separate from normal employer contributions.
Employers must pay 12% super guarantee on top of salary. The concessional (before-tax) super cap is $32,500 a year for 2026-27, and that cap includes employer contributions plus anything extra you add yourself. For example:
- $100,000 salary – employer pays about $12,000/year (about $231/week). Room for about $394/week extra before hitting the cap.
- $150,000 salary – employer pays about $18,000/year (about $346/week). Room for about $279/week extra before hitting the cap.
- $200,000 salary – employer pays about $24,000/year (about $462/week). Room for about $163/week extra before hitting the cap.
Does Person 2 add extra super each week?
If the second person makes extra contributions, this helps the projection estimate the combined household super position.
What annual income should Person 1 target in retirement?
Super can be drawn from age 67. Set a target for each stage of retirement, and add more bands if income needs will change over time – for example more in the active early years and less later.
What annual income should Person 2 target in retirement?
Super can be drawn from age 67. Set a target for each stage of retirement, and add more bands if income needs will change over time – for example more in the active early years and less later.
Stage 2 money details saved.
Next, add the retirement assumptions that shape the report.