Compounding super
Show what extra super contributions could add up to
Compare investing surplus money inside super with investing it outside. Enter the annual contribution, CPI, return, tax rates and years, and the compounding calculator shows the tax saved and how far ahead the client could be.
Included in the base subscription
Published AccountKit product screenshot; the interface may have changed since capture.
What goes wrong today
Compounding is hard to picture
Clients understand a contribution this year, but not what it could grow into over a working life.
The tax difference gets lost
Comparing super with investing elsewhere takes two calculations, and the tax saving disappears between them.
Inside the tool
Two ways to invest the same money
Step through a sample comparison. It illustrates how compounding works and isn’t a forecast or personal advice.
Compounding superInteractive preview · sample dataSelected scenario 01
Starting position
Set the extra annual contribution and the number of years to compare. The longer the time frame, the more the compounding shows.
Sample interface and values. This illustration does not calculate a loan, super balance or retirement outcome, and is not financial advice.
The client sets the figures with you
Selected scenario 02
Contribution
Enter the expected CPI, the return on investment, the comparison tax rate and the client’s marginal tax rate.
Sample interface and values. This illustration does not calculate a loan, super balance or retirement outcome, and is not financial advice.
Both paths use the same assumptions
Selected scenario 03
Results
The results show the tax at each rate, the tax saved, both end balances and the improved position. Save the scenario before you print it.
Sample interface and values. This illustration does not calculate a loan, super balance or retirement outcome, and is not financial advice.
The difference is illustrated, not promised
Interactive demonstration with sample data, based on the AccountKit interface.
Who it’s for
For the super conversation with a client
Accountants and advisers showing a client the broad benefit of putting surplus money into super. It isn’t a projection of where the client will end up, so add a disclaimer when you share it.
How often it comes round
Whenever a client has surplus cash and asks where to put it.
- In the meeting
- Set the figures with the client.
- Next
- Move to the retirement calculator to see what they’ll need.
Questions
What practices ask about the compounding super
Does the compounding calculator forecast a client’s super balance?
No. It shows the broad benefit of compounding inside super compared with outside it. It doesn’t take all of the client’s circumstances into account, so share it with an appropriate disclaimer.
Can it compare anything other than super?
Yes. It began as a super compounding tool and now works as a general scenario tool, with the comparison tax rate set at your discretion.
Can I print the comparison for the client?
Yes. Save the scenario first, then print it.
Make it your practice
Start the super conversation with a picture
Start a free 14-day trial and run the comparison with your next client, or book a demo to see it with the team.
