Australia Compound Interest Calculator

Important Disclaimer

For educational and informational purposes only. This calculator produces estimates based on the inputs provided and assumes a constant compounding rate over the projection period. Figures referenced reflect the 2025–26 financial year: Super Guarantee rate 12% (final rate, since 1 July 2025), concessional contributions cap AUD 30,000, non-concessional contributions cap AUD 120,000, transfer balance cap AUD 2 million, maximum contribution base AUD 62,500 per quarter, government co-contribution maximum AUD 500 (income up to AUD 62,488), LISTO maximum AUD 500 (income up to AUD 37,000), CGT discount 50% on assets held 12+ months, and preservation age 60 for those born after 30 June 1964. Marginal tax rates referenced are 0/16/30/37/45 percent plus 2 percent Medicare Levy; the 16 percent bracket reduces to 15 percent from 1 July 2026 (Stage 3+ phase 2). The RBA cash rate referenced is 4.10% (effective 18 March 2026), and the RBA inflation target is 2–3%. ASFA Retirement Standard lump sums (February 2026 update) are AUD 630,000 single and AUD 730,000 couple for a comfortable retirement at age 67. Past investment performance is not a reliable indicator of future returns.

No warranty of accuracy. While Money Snap takes reasonable care to source figures from official authorities (ATO, RBA, ASIC MoneySmart, APRA, ABS, ASFA), this calculator is provided "as is" without any express or implied warranty as to accuracy, completeness, timeliness, or fitness for any particular purpose. Tax rates, contribution caps, cash rates, super thresholds, and retirement standards change frequently — figures shown may be out of date following federal Budget announcements, RBA Monetary Policy Board decisions, ATO indexation, or regulatory updates. Individual circumstances including residency for tax purposes, total super balance, marginal tax rate, and other concessions claimed may materially affect actual outcomes.

Not financial advice. Money Snap does not hold an Australian Financial Services Licence (AFSL) and is not authorised by the Australian Securities and Investments Commission (ASIC) to provide personal financial product advice. Information provided is general in nature only and does not take into account your personal circumstances, financial situation, objectives, or needs. Results do not constitute financial, investment, tax, superannuation, or retirement planning advice, and use of this calculator does not create an advisory relationship. Before acting on any figure shown, obtain personal advice from a licensed financial adviser (search the ASIC Financial Advisers Register via MoneySmart), a registered tax agent via the Tax Practitioners Board public register, or refer to the relevant Product Disclosure Statement (PDS). Tax queries can be addressed directly to the ATO.

Limitation of liability. To the maximum extent permitted by law, Money Snap accepts no liability for any loss, damage, cost, or expense — direct or indirect — arising from reliance on this calculator or the information it produces. Investment products (shares, ETFs, A-REITs, managed funds, cryptocurrency, property) carry capital risk and may fall as well as rise in value. The Australian Government's Financial Claims Scheme (FCS) protects deposits up to AUD 250,000 per account holder, per authorised deposit-taking institution (ADI); this protection applies only to eligible Australian-dollar deposits at APRA-regulated banks, building societies and credit unions in the event the institution fails — it does not cover investment losses from market movements or non-deposit products. Users are responsible for verifying all figures with the relevant authority before relying on them. Use of this calculator is subject to our Terms of Use.