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AU Superannuation Tax Calculator 2024-2025

Calculate concessional contributions tax, Division 293 tax, and check contribution caps.

👤 Personal & Income

Tax Year

Employment Type

Annual Taxable Income ($) (Excluding Super)

💰 Super Contributions

Employer Concessional ($) (SG)

Personal Concessional ($) (Salary Sac/Deductible)

Non-Concessional Contributions ($) (After-tax)

💵 Tax Liability

Calculating...

How Super Tax Works (2024-25)

Concessional Tax (15%)

Tax on before-tax contributions (Employer SG, Salary Sacrifice, Deductible Personal).

Cap: $27,500 per year.
Rate: 15% on amounts within cap.
Excess: Taxed at specific marginal rates (check ATO).

Division 293 Tax

Extra 15% tax for high income earners.

Threshold: $250,000 (Income + Super).
Tax: 15% on the lesser of your excess income or your concessional contributions.

Disclaimer: Superannuation tax rules based on ATO 2024–25 guidance. Caps and thresholds must be verified yearly. This calculator provides estimates only.