Tax, Super Concessional Contribution Calculator

The benefit and opportunity cost of pre-tax concessional contributions. (Individual Australian Resident, 2024-2025)

How much tax can you save by salary-sacrificing into superannuation? At what point are these savings eroded by fees/underperformance?

Simple Income Tax Calculator

(excluding employer contribution to superannuation, min: 25000)
Income tax + concessional tax on employer contribution
(Gross salary + Employer Contribution - Tax)

Pre-tax, concessional contributions

Refer: ATO
$0
(Income tax + concessional tax on voluntary and employer contribution)

Benchmarking

Is the tax saving worth it if, net of active management fees, superannuation under-performs an alternative portfolio?

For more on the long-term under/out-performance of superannuation against various benchmarks, refer Industry Super Australia, and ABC.

This calculator is not a substitute for professional accounting advice, and does not take into account the Medicare Levy, the Budget Repair Levy, low income levels which attract the low income offset, or high income levels which trigger Division 293.