Superannuation Calculator
Compute the total super your employer pays at the current Super Guarantee (SG) rate — 11.5% for FY 2024-25 and 12% for FY 2025-26 — plus any salary sacrifice or voluntary post-tax contributions. AgoTax shows your annual super alongside your take-home pay and income tax. Salary sacrifice is concessional (reduces your taxable income) and counts toward the $30,000 concessional cap; anything over the cap is added back to taxable at your marginal rate. Voluntary post-tax contributions don't reduce your tax now but go straight to your retirement balance.
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Frequently asked
Is super on top of my salary?
By default yes — your contract states a base salary and super is paid on top. If your contract is 'total package' (salary plus super included), tick 'Salary includes super' and AgoTax adjusts.
What's the concessional cap?
$30,000 for FY 2024-25 and FY 2025-26. Includes employer SG, salary sacrifice, and personal deductible contributions combined.
What if I exceed the cap?
The excess is added back to your taxable income at marginal rate. AgoTax handles this automatically and surfaces it as 'excess concessional' in the breakdown.