Calculators

From "how much will I have?", to "what type of investor am I?"; our calculators answer questions to help you understand your superannuation and invest it effectively. 

Each calculator is explained below. Once you are done you will have the option of printing your results.

Please note: the calculators are provided for illustrative purposes only to show how different factors can affect the value of superannuation benefits.  They are designed as stand-alone tools and should not be used to compare GESB's taxed and untaxed funds.  Different assumptions are used in each calculator to reflect the differences between the funds, particularly in respect of when tax is paid on contributions and earnings.  GESB recommends that you consult a suitably qualified adviser before making any decisions.

Calculator / Tool Why use it?
How much will I have/need calculator

This calculator is for those still growing their super. It shows how much super you'll have by the time you retire and how long it will last. It allows you to adjust variables, such as your retirement age and amount of contribution, and see the impact of the adjustments on your final super balance and how long it will last.

Gold State Super calculator

This calculator is for Gold State Super account holders. It shows how your defined benefit will grow, and lets you adjust variables such as retirement age and final salary to see how simple changes can affect the result.

Co-contribution calculator

This calculator shows whether you're entitled to receive a co-contribution payment from the Commonwealth Government, and if so, the maximum payment you could expect.

Risk profile calculator

This calculator determines your risk profile or, in other words, what type of investor you are, based on information like your tolerance to market fluctuations. This information may be useful to determine what type of investment strategy is right for your situation. 

Budget planner calculator

This calculator helps you to plan your budget. This may determine whether you have additional income that may be contributed to super.

Insurance calculator

The insurer AIA Australia provides the LIFEapp tool, which will help you determine how much insurance you need and, if required, receive a quote or apply online.

From the 'Try LIFEapp' button you will have access to the insurance needs calculator and the insurance quote tool.

If you're registered for Member Online, login to work out how much cover you need, get a quote, change your occupation category and increase or decrease your insurance cover. Just go to the 'Your insurance' page.

Use the 
AIA Life Insurance for Everyone application
Selecting this option will direct you to the website of GESB's group insurer AIA Australia.

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Insurance needs calculator

This calculator helps you work out how much insurance cover you need.

Insurance quote tool

This calculator will work out how much your insurance cover will cost in GESB Super or West State Super.

Insurance online application

Allows you to apply for insurance and increase your level of insurance cover online.


Need professional advice?

Why not attend one of our free retirement seminars.

You may also wish to speak to a qualified financial adviser. To find out if financial advice is right for you, call your Member Services Centre on 13 43 72.

Seminars

Find out how much insurance cover you and your family really need.

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