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Super Contribution Tax Savings Calculator
See how much tax you'll save by salary sacrificing or making personal deductible contributions
Concessional contributions (salary sacrifice or personal deductible) are taxed at just 15% inside super – often much less than your marginal tax rate. This calculator shows you exactly how much you could save.
Your Details
How This Calculator Works
When you make a concessional contribution (salary sacrifice or personal deductible), the money is taxed at 15% inside your super fund instead of your marginal tax rate. The difference is your tax saving.
Australian Tax Rates 2026-27
| Taxable Income | Tax Rate | Super Saves You |
|---|---|---|
| $0 – $18,200 | 0% | -15% (costs more) |
| $18,201 – $45,000 | 19% | 4% |
| $45,001 – $135,000 | 32.5% | 17.5% |
| $135,001 – $190,000 | 37% | 22% |
| $190,001+ | 45% | 30% |
Plus 2% Medicare Levy on taxable income above $26,000 (approx.)
What About Division 293?
If your income plus super contributions exceeds $250,000, an extra 15% tax (Division 293) applies to some or all of your concessional contributions. This means those contributions are taxed at 30% instead of 15%.
But it's still worthwhile! Even at 30%, you're saving compared to the top marginal rate of 45% (or 47% including Medicare Levy). This calculator automatically factors in Division 293 when applicable.
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Accuracy Note: Whilst every effort has been made to provide current and accurate information, I am only one person and there's a very good chance that I'll miss something. If you spot a factual error, or if a calculator breaks or gives incorrect answers, I'd be really grateful if you could let me know via the Contact Us page so I can fix it ASAP.
It would speed up the correction process enormously if you could cite for me the title of the page where you find the error and describe what the error is. Thanks heaps for your support in keeping this valuable resource up to date for everyone's benefit.