🏦 Superannuation Tax Calculator
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Superannuation Tax in Australia 2025–26
Super contributions are taxed at just 15% inside the fund — significantly lower than most people's marginal income tax rate. This makes voluntary super contributions one of the most tax-effective strategies available to Australians.
2025–26 Contribution Caps
- Concessional (pre-tax) cap: $30,000/year — includes employer SG (11.5%) + salary sacrifice + personal deductible contributions
- Non-concessional (after-tax) cap: $120,000/year (or $360,000 using 3-year bring-forward)
Tax Inside Super
- Concessional contributions: taxed at 15% (or 30% for incomes over $250,000 — Division 293 tax)
- Investment earnings inside super: taxed at 15%
- Withdrawals in retirement (after age 60): generally tax-free
Projections assume 7% p.a. returns. Not financial or tax advice. Consult a licensed financial adviser or registered tax agent.