Australian Super Tax Concessions Calculator 2026-27 — Free Tool

Super Tax Concessions 2026-27: Calculate How Much Tax You Actually Save

Australia's superannuation system offers some of the most generous tax concessions in the world — contributions taxed at 15% instead of your marginal rate (up to 47%). But with Division 293, Division 296, and the new better-targeted concessions regime taking effect, calculating your actual benefit has become genuinely complex.

What Changed for 2026-27

The key changes affecting super tax concessions this financial year:

  • Concessional cap: $30,000/year (unchanged)
  • Non-concessional cap: $120,000/year (3-year bring-forward: $360,000)
  • Division 293: Extra 15% on super contributions if income + super > $250,000
  • Division 296: Additional 15% on earnings for balances above $3 million (effective from 1 July 2025)
  • Employer SG rate: 12% (up from 11.5%)
  • LISTO: Tax offset refunds the 15% for income ≤$37,000
  • Government co-contribution: Up to $500 for income ≤$60,400

What the Calculator Shows

The Super Tax Concessions Calculator takes your income, super balance, contribution plans, and age — then calculates:

  • Tax on concessional contributions (15% or 30% if Division 293 applies)
  • Tax saved vs your marginal rate — the actual concession value
  • Division 296 estimate for balances above $3 million
  • LISTO and co-contribution eligibility
  • Effective tax rate: super earnings vs personal income

Who Benefits Most

| Income Range | Marginal Rate | Super Tax | Concession Value | |-------------|--------------|-----------|-----------------| | $18,201–$45,000 | 19% | 15% | 4% saved | | $45,001–$120,000 | 32.5% | 15% | 17.5% saved | | $120,001–$180,000 | 37% | 15% | 22% saved | | $180,001–$250,000 | 45% | 15% | 30% saved | | $250,001+ | 47% | 30%* | 17% saved |

*Division 293 adds 15% making total super tax 30% for high earners.

Source: ATO 2026-27 tax rates and super contribution caps (ato.gov.au).

Calculate your super tax benefit: Super Concessions Calculator 2026-27 — free, private, no sign-up.

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Originally published at https://tool.teamzlab.com?utm_source=blogger&utm_medium=article&utm_campaign=2026-05-super-concessions-calculator-2026

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