Guides
Last updated: 20 October 2026
Short, plain-English explanations of the things that most often confuse people when they use a super calculator. Each one links back to OnTrack so you can try your own numbers.
Why Australian super calculators give different answers
We put the same person into MoneySmart, Rest, AustralianSuper and OnTrack. The differences come from a handful of settings. Read the guide.
Super in today’s dollars
Why one projection can show $2.76 million or $720,000, and how “today’s dollars” works. Read the guide.
Retiring before 60
What preservation age means, the gap years, and what stopping work early can cost. Read the guide.
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Important information
This guide explains how super calculators work and doesn’t take your personal circumstances into account. The figures are illustrations from OnTrack’s calculations, not forecasts, and depend on the assumptions stated.
Rules and calculator assumptions change. Please check the ATO or your super fund for the rules that apply to you, and consider getting advice from an Australian financial services licensee before making financial decisions.