Superannuation Calculators
Estimate your super at retirement, calculate salary sacrifice savings, check contribution caps and Division 293 tax obligations.
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Superannuation Calculator
Estimate your super balance at retirement based on your age, salary and the current 12% super guarantee. See how extra contributions and investment returns compound over time.
Salary Sacrifice Calculator
Calculate the tax savings from salary sacrificing into super. Compare your take-home pay with and without salary sacrifice.
All Superannuation Calculators
Employer Super Calculator
Calculate employer super guarantee contributions at the current 12% rate. Includes maximum contribution base thresholds.
Super Contribution Calculator
Work out your concessional and non-concessional contribution caps. Includes carry-forward unused contributions.
Division 293 Tax Calculator
Check if you need to pay the extra 15% Division 293 tax on super contributions if your income exceeds $250,000.
About Superannuation Calculators
The super guarantee rate reached 12% from 1 July 2025 — the final legislated increase. Employers must contribute 12% of ordinary time earnings to your super fund. The concessional (before-tax) contribution cap is $30,000 per year, and the non-concessional (after-tax) cap is $120,000.
Salary sacrifice into super is one of the most tax-effective strategies in Australia. Super contributions are taxed at 15% instead of your marginal rate — if you're in the 37% bracket, every dollar sacrificed saves you 22 cents in tax. The trade-off is reduced access until retirement age (60 for most people).
High-income earners (income + super above $250,000) pay an additional 15% Division 293 tax, bringing the effective super tax rate to 30%. Unused concessional caps from the past 5 years can be carried forward if your balance is below $500,000. From 1 July 2026, payday super begins. All data sourced from ato.gov.au.
Official sources: ATO Super · MoneySmart Super
Built by Konstantin Iakovlev. Data sourced from official Australian government publications.