How much tax you pay on your super
This table show you how much tax you pay on contributions to your super.
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Contribution type |
Percentage of tax you pay |
---|
Employer contributions
These are super contributions paid by your employer. This includes compulsory Super Guarantee contributions as well as employer voluntary contributions. |
15%* |
Salary sacrifice
This is money your pay to your super account from your before-tax income. |
15%* |
Personal contributions
Any contributions you make from your take-home pay. |
0% |
Personal deductible contributions
After-tax contributions made from your take-home pay for which you have claimed a tax deduction. |
15% |
Spouse contribution
Super paid by you to your spouse’ super account,
or
to your account by your spouse.
This is a contribution made by money from take-home pay, which means tax has already been paid. |
0% |
Government co-contribution |
0% |
Transferring super
This is when you consolidate your super into one account. |
0% |
Investment earnings
This is the money your super earns. |
15% |
Investment earnings on retirement income
This is the money your super earns if you are drawing retirement income. |
0% |
*If your income and your super together, add up to more than $250,000, you are a high-income earner. There is an extra 15% tax that applies on super contributions over the $250,000 threshold. This is called ‘Division 293 tax’ and will be calculated by the ATO and included in your notice of assessment.