Divorce Superannuation Calculator

Model the Superannuation Split

Compare base-amount or percentage transfers between the superannuation balances you enter. The results show the before-and-after allocation, without projecting retirement income or future investment growth.

For an accumulation-balance illustration, a base amount of $75,000 moves that amount from Party A’s $300,000 to Party B’s $100,000. Their modelled balances become $225,000 and $175,000.

Selecting 25% of Party A’s balance produces the same $75,000 transfer. The combined $400,000 stays unchanged. Percentage here means a share of the sending balance, not the combined pool.

The Attorney-General’s superannuation guidance explains base-amount and percentage splits. Trustees calculate the entitlement under the applicable instrument. This worksheet applies your input directly to the entered balances.

The Court’s superannuation guidance confirms that splitting preserves the money’s superannuation status. A modelled receipt is not spendable cash.

Check the Valuation Assumptions

An entered account balance is the starting figure for this calculation. A defined-benefit interest can require a statutory valuation using factors that an account balance alone cannot supply.

The calculator does not infer an actuarial value or select a legally appropriate splitting method. Use the fund’s information and the applicable valuation rules when preparing an agreement or order.

The Attorney-General’s explanation of defined-benefit splits distinguishes immediate interest splitting from splitting later payments. Those arrangements can produce a different result from a simple balance transfer.

See the superannuation splitting guide for valuation, drafting and fund implementation requirements.

Compare the Proposed Allocations

Open the comparison controls to model a second proposal against the same starting balances. A $100,000 transfer from Party A gives each party $200,000 in the example.

Reversing the direction and transferring 25% of Party B’s $100,000 sends $25,000 to Party A. The resulting balances are $325,000 and $75,000. The combined balance stays $400,000.

The calculation rejects a transfer above the sending balance. Percentage transfers round once to the nearest cent, with half a cent rounded upwards. Both balances use that same rounded amount.

Fund fees reduce the combined amount. Valuation changes and investment movements can change the transfer or remaining balances. Operative-date adjustments and the fund’s implementation rules also affect the eventual outcome.

Check Preservation Age

Enter either party’s date of birth to find their preservation age. This lookup is separate from the transfer calculation and does not assess a condition of release.

The ATO statutory preservation-age table sets the date-of-birth bands below. For example, birth on 30 June 1964 gives age 59; birth on 1 July 1964 gives age 60.