Superannuation Calculator (Australia)
Project your super balance at retirement and compare employer SG, salary sacrifice and deductible personal contributions. Check concessional cap usage and Division 293 exposure before contributing.
Sets current-year tax, contribution cap and projection start year.
Gross annual earnings before salary sacrifice. Employer SG is capped at the statutory maximum contribution base.
A personal contribution you intend to claim as a tax deduction.
2026-27 Australian super and tax settings. SG is calculated on eligible earnings before salary sacrifice; preservation age is 60 for people born after 30 June 1964.
Enter your details to see your super projection
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Also useful: Division 293 thresholds, salary sacrifice room guide, full super contribution caps.
Superannuation is Australia's compulsory retirement savings system. Your employer contributes a percentage of your salary (the Superannuation Guarantee) into your super fund, where it grows until you retire.
Concessional contributions
Before-tax contributions including:
Generally taxed at 15% inside super. 2026-27 cap: $32,500/year
Non-concessional contributions
After-tax contributions including:
Not taxed on entry (already taxed). 2026-27 cap: $130,000/year
| Financial year | SG rate |
|---|---|
| 2023-24 | 11% |
| 2024-25 | 11.5% |
| 2025-26+ | 12% (final rate) |
Salary sacrificing into super can be one of the most tax-effective ways to build wealth. By contributing pre-tax dollars, you pay only 15% contributions tax instead of your marginal income tax rate.
| Your marginal rate | Super tax rate | Tax saved per $1,000 |
|---|---|---|
| 16% ($18,201 – $45,000) | 15% | $10 |
| 30% ($45,001 – $135,000) | 15% | $150 |
| 37% ($135,001 – $190,000) | 15% | $220 |
| 45% ($190,001+) | 15% | $300 |
Tip: Use the Salary Sacrifice Calculator to see the exact impact on your take-home pay and super balance.
The ATO adds your Division 293 income component to your low-tax super contributions. The income component starts with taxable income and adds reportable fringe benefits, net financial investment and rental property losses, and family trust distribution tax amounts, while disregarding reportable super contributions. If the combined amount exceeds $250,000, affected contributions face an additional 15% tax.
How Division 293 is calculated
Example: Division 293 calculation
This follows the ATO's published Jan example. The $750 is additional to the usual 15% contributions tax.
The concessional contributions cap for 2026-27 is $32,500 per year. This includes all employer SG, salary sacrifice, and personal deductible contributions.
Carry-forward unused caps
If your total super balance is under $500,000, you can carry forward unused concessional cap amounts from the previous 5 years. This allows for larger contributions in years when you have extra income.
Example: If you have $10,000 of eligible unused cap available, your effective 2026-27 cap could be $42,500. Eligibility depends on your total super balance and prior-year history.
What is the Superannuation Guarantee rate for 2026-27?
What is the concessional contributions cap?
What is Division 293 tax?
How is super taxed?
What is the preservation age?
Should I salary sacrifice into super?
Tax Accuracy & Sources
This calculator projects an accumulation account using the selected year's SG rate, statutory maximum SG earnings base, concessional cap, eligible carry-forward cap, tax brackets and Division 293 threshold. Salary sacrifice and deductible personal contributions reduce taxable income and are included once as low-tax contributions for Division 293. The default 6.1% investment return is net of investment tax and investment fees; administration fees and insurance are deducted separately. Dollar fees rise with inflation and the headline result is shown in today's dollars. It does not model defined benefit schemes, excess-contribution release choices, Division 293 payment source or individual investment-return volatility.