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Career break gadget

Taking a career break?

See how this will affect your super


You're missing out on ,XXX super contributions

But don’t worry, there are ways to keep your super on track while you’re not working

Salary sacrifice into your super before you take your break (saves tax too)

Salary sacrifice extra $ into your super while you are working and then you’ll have more money to enjoy in retirement.

Learn more

Get your partner to add to your super

If your partner adds to your super they can get a tax offset while also helping to keep your super growing.

Learn more

If you have multiple super accounts, roll them into one so you can save on fees

Extra accounts can cost $50,000 by the time you retire*. Now is the right time to roll your other accounts into one super account.

Learn more

Check again Assumptions


  • The calculator assumes you do not receive any super contributions during your career break
  • Full time is considered to be five days or more per week
  • Superannuation Guarantee Contribution is currently 10% of ordinary time earnings and is presently legislated to incrementally increase to 12% by 2025
  • The calculation assumes no change to superannuation guarantee or wage rates
  • The dollars shown are not discounted for inflation
  • The 'missing out' figure is calculated according to the time you will be away from work plus any period thereafter where you are working less days than before you took your career break


This tool is not intended to be relied upon for the purposes of making a financial decision. Consider a fund's PDS and your objectives, financial situation and needs, which are not accounted for in this information before making an investment decision. You are responsible for your own investment decisions and should obtain specific, individual advice from a financial services licensee before making any financial decisions.