Terms of Use & Disclaimer

1. Acceptance of Terms

By accessing and using www.superannuationcalc.com.au (“the Website”), you agree to be bound by these Terms of Use.

If you do not agree, you should not use this Website.

2. Informational Purpose Only

The Superannuation Calculator and all associated tools are provided for general informational and educational purposes only.

The calculators provide estimated superannuation projections, retirement income estimates, contribution calculations, and Age Pension modelling based on publicly available rates and thresholds. Results are approximations only and may not reflect your individual circumstances.

This Website does not provide financial, tax, superannuation, or legal advice.

3. No Affiliation with Government or Super Funds

This Website is not affiliated with, endorsed by, or associated with the Australian Taxation Office (ATO), ASIC, MoneySmart, any superannuation fund, or any government body.

References to superannuation guarantee rates, contribution caps, ASFA retirement benchmarks, Age Pension thresholds, and Division 293 thresholds are based on publicly available information from official sources.

For official guidance, users should consult:

• The Australian Taxation Office (ATO)
• ASIC MoneySmart
• Their superannuation fund
• A qualified financial adviser with an Australian Financial Services Licence

4. No Professional Advice

The information provided on this Website does not constitute:

• Financial advice
• Superannuation advice
• Tax advice
• Retirement planning advice
• Legal advice

You should seek independent professional advice from a licensed financial adviser tailored to your personal circumstances before making superannuation or retirement decisions.

5. Accuracy of Information

While reasonable efforts are made to ensure the calculators reflect current superannuation rates and thresholds for the 2025-26 financial year, we do not guarantee that:

• All information is current
• Calculations are error-free
• Projections will match actual outcomes
• Results are suitable for your circumstances

Superannuation guarantee rates, contribution caps, tax thresholds, Age Pension rates, and ASFA benchmarks may change at any time. Projected balances and retirement income estimates are based on assumed rates of return, inflation, and wage growth which may differ materially from actual outcomes.

6. Limitation of Liability

To the maximum extent permitted by Australian law:

• The owner of this Website shall not be liable for any loss, damage, or financial decisions made based on the use of these calculators.
• Use of this Website is entirely at your own risk.

7. Intellectual Property

All content, design, branding, and calculator functionality on this Website are the intellectual property of the Website owner unless otherwise stated.

You may not reproduce, copy, or distribute content without permission.

8. Changes to These Terms

These Terms may be updated at any time without prior notice. Continued use of the Website constitutes acceptance of any updated Terms.

9. Contact

For questions regarding these Terms, contact: contact@superannuationcalc.com.au