💡 Free tool. All calculations happen in your browser. No data collected.
Your Details
Max deductible (concessional cap): $30,000 for 2025–26
Your Tax Saving
You save
$0
in income tax this year
Tax WITHOUT super
$0
Tax WITH super
$0
Super tax paid by fund (15%)
-$0
Net benefit (after fund tax)
$0
Effective return on contribution
0%
Australia's largest super fund. Low fees, strong returns.
How This Works — Super as a Tax Strategy
💰
You contribute
Money goes from your business income into your super account before income tax is calculated
📉
Your taxable income drops
The ATO taxes you on a lower income — you pay less income tax at your marginal rate
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Super grows
Your fund pays 15% tax on contributions (not your marginal rate) and invests it for your retirement
⚠️ General Information Only: This calculator provides estimates based on simplified tax calculations. Individual circumstances vary. Always consult a registered tax agent or financial adviser before making superannuation decisions. Calculations do not account for the Low Income Tax Offset, Medicare Levy Surcharge, private health rebates or other individual factors.