Calculate the tax on your superannuation contributions, earnings, and withdrawals at every stage.
Updated October 2026Built and checked by MaverickHow it's calculatedReport an error
Total super tax
$3,900
15.00% effective
Tax saved via super
$1,800
vs 30% marginal rate
Div 293 surcharge
$0
not applicable
Concessional room left
$20,500
this year
Contributions tax is flat 15%. Earnings tax is 15% on growth in the accumulation phase. Div 293 adds 15% for very high earners.
Pre-tax super contributions are taxed at 15% rather than your marginal rate: the core tax-effectiveness argument.
Super is taxed when money goes in, while it earns, and sometimes when it comes out, and the rates depend on your age, your income and the kind of contribution. This works out the tax at each stage on your numbers, and how it compares with paying your marginal rate.
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.
Sarah earns $120,000 and salary sacrifices $10,000 into super.
Without salary sacrifice, Sarah pays 32% (marginal rate + Medicare) on that $10,000 = $3,200 tax. In super, the tax is 15% = $1,500. Net tax saving: $1,700 per year. Over 25 years with compounding, this strategy adds ~$100,000+ to her super.
James earns $260,000. His employer pays $31,200 in SG (12%).
James exceeds the $250,000 threshold for Division 293 tax. He'll pay an additional 15% (total 30%) on the portion of contributions that push him over the threshold. He should consider this when planning additional salary sacrifice.