Contribution breakdown
Employer super$13,200
Salary sacrifice$5,000
Employee after-tax$1,000
Deductible personal$0
Existing concessional$0
Employees and accountants
Super Contribution Calculator
Estimate employer, employee, salary sacrifice and total annual super contributions.
How this estimate works
This calculator adds employer super, salary sacrifice and after-tax employee contributions to estimate total super contributions for the year.
Using 2026-27 assumptions: SG 12%, concessional cap $30,000, Division 293 threshold $250,000.
Employer super
$13,200
Employee contributions
$1,000
Salary sacrifice
$5,000
Total contributions
$19,200
Remaining concessional cap
$11,800
Estimated tax savings
$750
Employer total cost
$123,200
Tax and cap detail
- Annual income
- $110,000
- Ordinary time earnings
- $110,000
- Concessional contributions
- $18,200
- Remaining cap
- $11,800
- Excess concessional estimate
- $0
- Division 293 taxable contributions
- $0
- 5-year contribution projection
- $96,000
Frequency summary
| Item | Annual | Monthly | Fortnightly | Weekly |
|---|---|---|---|---|
| Employer super | $13,200 | $1,100 | $508 | $254 |
| Employee contributions | $1,000 | $83 | $38 | $19 |
| Salary sacrifice | $5,000 | $417 | $192 | $96 |
| Total contributions | $19,200 | $1,600 | $738 | $369 |
| Employer total cost | $123,200 | $10,267 | $4,738 | $2,369 |
Example
If employer super is $11,400, salary sacrifice is $5,000 and after-tax contributions are $2,000, total contributions are $18,400.
ATO guidance
FAQs
Are after-tax contributions concessional?
No. Personal after-tax contributions are generally non-concessional unless a valid deduction is claimed.
Does the calculator check all super caps?
It estimates concessional cap usage but does not assess every eligibility rule or non-concessional cap rule.
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