Assess effects/taxes of various concessional/non-concessional super contributions under 2026 rules.
Updated October 2026Built and checked by MaverickHow it's calculatedReport an error
Tax savings via super
$1,800
vs 30% marginal rate
Net super boost
$10,200
after contributions tax
Concessional room left
$20,500
cap: $32,500
Take-home pay Δ
-$8,400
cash flow effect
Concessional contributions are taxed at a flat 15% in super, vs your marginal rate outside. That gap is the win.
Concessional contributions are taxed once entering super; non-concessional contributions are already post-tax.
Thinking of putting more into super? This shows what different amounts, before or after tax, would do to your balance, your take-home pay and your tax. It works within the concessional (before-tax) and non-concessional (after-tax) caps, and allows for carrying forward unused concessional cap.
Across 50 MySuper products, the typical return over the ten years to 30 June 2026 was 8.0% a year after fees and tax, and the typical fee on a $50,000 balance was $408 a year, from APRA's data.
Alex earns $110,000, so employer super is $13,200, and had $320,000 in super at 30 June 2026, under the $500,000 limit, with $15,000 of unused concessional cap from earlier years.
In 2026-27 Alex can make up to $47,500 of concessional contributions ($32,500 plus the $15,000 carried forward) without exceeding the cap: up to $34,300 on top of employer super, taxed at 15% in the fund.
Cathy has $830,000 in super and wants to contribute $70,000 after tax (non-concessional) in 2026. She checks she’s eligible for the full cap.
Large non-concessional contributions may trigger the bring-forward rule. Check your total super balance first.