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Tools/Super Contribution Tax Deduction Calculator (Australia)
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Super Contribution Tax Deduction Calculator (Australia)

Estimate your maximum personal deductible super contribution, tax saving, 15% contributions tax, Division 293 risk and net tax benefit for FY 2025-26.

Super contribution tax savings

Estimate your maximum concessional (deductible) super contribution and the tax refund it could unlock. Uses the 2025-26 $30,000 concessional cap, five-year carry-forward rules, and legislated resident tax rates.

IMPORTANT DISCLAIMER

This calculator is provided for general information and operational support only. It does not constitute legal, tax, accounting, financial product, credit, lending, investment, superannuation or valuation advice.

This calculator does not constitute:

  • Legal advice
  • Tax advice
  • Accounting advice
  • Financial product advice
  • Credit assistance
  • Lending advice
  • Investment advice
  • Superannuation advice
  • Valuation advice

Results are indicative only. Outputs depend entirely on information entered by users and the assumptions selected. Users must independently verify every calculation before relying upon it. Professional advice should be obtained where appropriate.

Total concessional cap
$55,000
= $30,000 annual + $25,000 carry-forward
Remaining room
$43,000
after $12,000 already contributed
Carry-forward eligibility
Eligible
TSB under $500,000, $25,000 available
Your details
$43,000
= $30,000 annual cap + $25,000 carry-forward− $12,000 already contributed
Results
Available concessional cap
$43,000
Contribution counted (within cap)
$15,000
Marginal rate + Medicare
39%
Income tax before contribution
$35,938
Income tax after contribution
$30,788
Gross tax saved
$5,150
Less: 15% contributions tax inside super
− $2,250
Net benefit (after 15% super tax + Div 293)
$2,900
Estimated tax refund vs PAYG-W
$4,212
• Concessional contributions are taxed at 15% inside your super fund on top of any Division 293 tax. The net benefit already deducts both.
• Division 293: an extra 15% applies to concessional contributions where income + concessional contributions exceed $250,000. It's applied to the lesser of your low-tax contributions or the amount over the threshold, so at high incomes the effective tax on the contribution becomes 30% (15% + 15%). Div 293 is assessed separately by the ATO, it does not change your PAYG-W refund; you receive a separate notice and can release the funds from super to pay it.
• Carry-forward unused cap is only available if your total super balance was under $500,000 at 30 June of the prior year.
• Australia does not have a formal "carry-backward" for concessional contributions, the field is included at your request; treat it as planning-only.
• Estimate only. Not tax or financial advice.

IMPORTANT DISCLAIMER

This calculator is provided for general information and operational support only. It does not constitute legal, tax, accounting, financial product, credit, lending, investment, superannuation or valuation advice.

This calculator does not constitute:

  • Legal advice
  • Tax advice
  • Accounting advice
  • Financial product advice
  • Credit assistance
  • Lending advice
  • Investment advice
  • Superannuation advice
  • Valuation advice

Results are indicative only. Outputs depend entirely on information entered by users and the assumptions selected. Users must independently verify every calculation before relying upon it. Professional advice should be obtained where appropriate.