Super Contribution Calculator
Estimate the tax benefit of salary-sacrificing extra into super in Australia. Concessional contributions are taxed at 15% instead of your marginal rate.
Concessional contributions (incl. employer) are capped, currently $30,000/yr. Going over is taxed extra.
Money you salary-sacrifice into super is taxed at 15% going in, rather than your (usually higher) marginal income-tax rate. The higher your income, the bigger the gap, and the saving. It’s locked away until preservation age, though.
- ✓Stay within the concessional cap ($30k incl. employer)
- ✓Remember super is preserved until retirement age
- ✓Check unused carry-forward cap from prior years
How we estimate this
Salary-sacrificed (concessional) super contributions are taxed at just 15% as they enter super, instead of your marginal income-tax rate. For someone on the 32% or 37% bracket, that gap is a real annual tax saving, this calculator estimates it.
Pricing reviewed: June 2026.
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Understanding super contributions in Australia
Salary-sacrificed (concessional) super contributions are taxed at just 15% as they enter super, instead of your marginal income-tax rate. For someone on the 32% or 37% bracket, that gap is a real annual tax saving, this calculator estimates it.
The catch is the concessional cap (currently $30,000/year including your employer’s contributions). Exceeding it triggers extra tax that erases the benefit, though unused cap from recent years can sometimes be carried forward. And the money is preserved until your retirement age.
Frequently asked questions
How does salary sacrificing into super save tax?
Concessional contributions are taxed at 15% rather than your marginal rate, so the higher your income, the larger the saving.
What is the concessional contributions cap?
Currently $30,000 a year including employer contributions. Going over is taxed at your marginal rate plus a charge, unless you have carry-forward cap available.
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