Super Tax Calculator.
Calculate the tax on your superannuation contributions, earnings, and withdrawals at every stage.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Superannuation is one of the most tax-effective investment structures in Australia, but the tax rules can be complex. Contributions, earnings, and withdrawals are all taxed differently depending on your age, income, and contribution type. This calculator breaks down exactly how much tax you'll pay on your super at every stage — and where the real tax savings are.
Real-world scenarios
Tax Savings from Salary Sacrifice
Sarah earns $120,000 and salary sacrifices $10,000 into super.
Without salary sacrifice, Sarah pays 34.5% (marginal rate + Medicare) on that $10,000 = $3,450 tax. In super, the tax is 15% = $1,500. Net tax saving: $1,950 per year. Over 25 years with compounding, this strategy adds ~$100,000+ to her super.
Division 293 Warning
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.