Superannuation Contribution Tax — Calculate Your Super Tax
Calculate tax on superannuation contributions in Australia. Understand concessional and non-concessional contribution caps and Division 293 tax for high earners.
Superannuation contributions in Australia receive favorable tax treatment but are subject to caps and additional taxes for high earners. Concessional contributions (employer SG salary sacrifice) are taxed at 15% inside super instead of your marginal rate (up to 45%). The annual concessional cap is $30000. Non-concessional (after-tax) contributions have a $120000 annual cap. Exceeding these caps triggers additional tax penalties.
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Key Information
| Parameter | Details |
|---|---|
| Concessional Cap | $30000 per year |
| Concessional Tax Rate | 15% (inside super) |
| Non-Concessional Cap | $120000 per year |
| Division 293 Threshold | $250000 (extra 15% tax) |
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Use Calculator NowFrequently Asked Questions
How much tax do I save by salary sacrificing?
At a 37% marginal tax rate salary sacrificing $10000 into super: you pay 15% tax inside super ($1500) instead of 37% outside ($3700). Net saving: $2200 per year. Over 20 years at 7% returns this $2200 annual tax saving compounds to approximately $101000 in additional retirement savings. The benefit increases with higher marginal tax rates.
What is Division 293 tax?
Division 293 imposes an additional 15% tax on concessional super contributions for individuals with income plus super above $250000. This brings the total super tax to 30% which is still lower than the top marginal rate of 45% plus 2% Medicare levy. Division 293 applies to the lesser of your concessional contributions or the amount above $250000.
Can I contribute more than $30000 to super?
You can make non-concessional contributions up to $120000 per year (or $360000 using the bring-forward rule over 3 years) if your total super balance is below $1.9 million. You can also carry forward unused concessional cap amounts from the previous 5 years if your super balance is below $500000. This catch-up provision is excellent for those who had lower contributions in earlier years.
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Last updated: March 2026