Superannuation Scenarios
Compare different superannuation decisions to understand how they affect your retirement savings and current tax position.
Superannuation offers significant tax advantages, but the rules around contribution caps, Division 293 tax, and carry-forward amounts can be complex. Making the wrong choice can mean paying extra tax or missing out on legitimate tax savings.
These scenarios help you compare options—not just how much super you'll have, but how different contribution strategies affect your tax today and your balance at retirement.
Visualise salary-sacrifice trade-offs
Many super scenarios now ship with sliders for contribution amounts and comparison delays. Adjust the controls to see how much extra tax you pay (or save) when bringing contributions forward or pushing them out.
- Model salary sacrifice increases alongside Division 293 thresholds
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Superannuation scenarios
Explore how different contribution strategies affect your tax and retirement savings.
Salary sacrifice: how much is too much?
Compare take-home pay at different salary sacrifice levels. See when the tax savings start to diminish and how to avoid exceeding the concessional cap.
Using carry-forward contributions
Understand when it makes sense to use unused concessional cap from previous years, and how to check your available carry-forward amount.
Concessional vs non-concessional contributions
Compare the tax treatment of before-tax and after-tax super contributions. See which approach suits different income levels and goals.
Division 293 tax impact
If your income plus super contributions exceeds $250,000, you pay an extra 15% tax on some contributions. See how this affects your salary sacrifice decision.
Key concepts
Concessional contributions
Before-tax contributions including employer SG, salary sacrifice, and personal deductible contributions. Taxed at 15% in the fund (or 30% for high earners via Division 293).
Concessional cap
The annual limit on before-tax contributions is $30,000 for 2025-26. Exceeding this cap means the excess is taxed at your marginal rate, not 15%.
Carry-forward
If you didn't use your full concessional cap in previous years and your total super balance is under $500,000, you may be able to contribute more this year using the unused amounts.
Division 293 tax
If your income plus concessional contributions exceeds $250,000, you pay an extra 15% tax on contributions above this threshold—bringing the effective rate to 30%.