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Over the longterm, it s probably safer to assume that funds thatinvest in similar assets in similar proportions will earnsimilar returns, see investment earnings below.)Your age and intentionsAge now The calculator assumes that you turn thisage at the beginning of the current financial year.Intended retirement age The calculator assumesyou will retire some time between ages 55 and 75. Inspecial circumstances, such as being unable to workbecause of permanent invalidity or disablement, youmight retire earlier. The calculator is unsuitable forcalculating benefits if you retire early.Do you intend to break from full-time work? Youcan select an option to break or reduce yourcontributions. For example, you may take a parentingbreak during your working life. Although the calculatorallows only a single break, you can make it as short oras long as you like. If you expect to take severalbreaks, add them together to get a rough idea of theirimpact.If you expect to work part-time during your break, youcan put the percentage hours you expect to work. Thecalculator will then assume you receive thatpercentage of your regular salary, and willautomatically adjust your employer and any extracontributions you make in line with the percentagehours you expect to work.Your superannuation and incomeSuperannuation accumulated now Sometimescalled your account balance , find this information inyour latest annual member or benefit statement.Your gross annual salary Your gross salary meansyour salary before tax has been deducted, andexcluding your employer s superannuationcontributions.The calculator assumes that you will earn the samewage or salary until you retire, taking into account setrates of inflation and general rises in wages and salaries(see Background assumptions ).In reality, you may start on lower wages, then getpromoted to better-paying jobs and later accept lower-paid work, perhaps part-time or in a less demanding full-time job.Do you make salary sacrifice contributions? Salary sacrifice simply means making extracontributions to super before tax is deducted fromyour pay. You can put in your salary sacrifice amountseither as a percentage of salary or as a dollar amount.From 1 July 2007, you may not make pre-taxcontributions or concessional contributions thatexceed $50,000 each year. This amount includes anyemployer contributions. (If you're over 50 years of ageor turning 50 before 30 June 2012, a transitionalperiod, ending in 2011-12, allows you to contribute upto $100,000 each year. For example, if you turn 50 on1 January 2010, you will be able to make $100,000 ofcontributions in the 2010-2011 and 2011-12 financialyears.) (See also Background Assumptions.)The calculator automatically adjusts your pre-tax orconcessional contributions so they and youremployer's superannuation guarantee contributionswon't exceed the legal limits. You get a pop-upmessage if this occurs. (In practice, however, it's yourown responsibility to avoid exceeding the limit.)The calculator assumes that you have negotiated withyour employer to make these contributions, and thatyou will keep on making these contributions until youretire.If you take a break from full time work, the calculatorassumes you maintain your salary sacrificecontributions, but reduces them in proportion to thetime you are employed during your break, see breakin contributions .)Tips about salary sacrificeEnsure that salary sacrifice will not reduce thesuperannu