Superannuation Contributions Calculator Australia
Estimate employer super, salary sacrifice, personal contributions and the tax effect of contributing more. This is a contribution calculator, not a projection of your eventual retirement balance.
Employer super
Your employer adds 12% super guarantee on top of your salary (unless toggled below).
Tick if your salary is quoted as a total remuneration package.
Employer is not required to pay SG (e.g. sole trader).
Caps employer SG at the ATO annual MCB threshold.
Additional super options
Tax year
Concessional cap for 2026-27: $32,500 · SG rate: 12%
How this calculator works
The calculator estimates employer super and combines it with selected salary-sacrifice, personal and spouse contributions. It checks the concessional cap and estimates the income-tax and contributions-tax effect of salary sacrifice.
What is included
- Employer super guarantee settings for 2025–26 and 2026–27.
- Salary sacrifice, after-tax personal contributions, spouse contributions and eligible carry-forward amounts.
- Concessional-cap warnings, spouse offset estimates and Division 293 estimates.
What is not included
- Investment returns, fund fees, insurance premiums and changes in a super balance over time.
- Retirement-income projections or a recommendation about how much to contribute.
- Fund-specific rules and a final assessment by a super fund or the ATO.
Worked example
On a $100,000 salary excluding super, employer super is $12,000. Salary-sacrificing another $500 a month produces $18,000 of concessional contributions; the calculator's income-tax comparison shows a $1,800 reduction, $900 contributions tax and $900 net tax saving.