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Super contributions calculator

How to calculate extra and additional contributions to your super

Use our super contributions calculator to quickly estimate the impact of additional contributions to your super and understand potential tax savings.  

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What are the benefits of making additional super contributions? 

You can make a huge difference to your super balance in retirement by making additional contributions to your super. Making additional super contributions means you may be able to reduce your tax whilst simultaneously growing your retirement savings. 

These contributions are made on top of the superannuation guarantee (SG) payments your employer makes to your super account. You can also make additional contributions if you’re self-employed.

Our super contributions calculator possible combinations of contributions for you based on the information you provide.

Understanding tax on additional super contributions

Additional contributions can be made before or after-tax. The type of contribution best for you will depend on your circumstances.

Before-tax contributions, such as salary sacrifice, are taxed within your super account rather than on your pay. As the tax paid within super is lower than the marginal tax rate most Australians pay, making additional contributions might increase the amount of money you have invested and could even reduce the tax you might have otherwise paid.

After-tax super contributions are made to your super account (or your spouse's) from income or funds you've already paid tax on. The amount you contribute is still fully invested in super, so the whole amount benefits from compound interest. Once in your super fund, earnings on these contributions are generally taxed at a concessional rate.

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The information on this website contains general information and does not take account of your specific objectives, financial situation or needs or personal circumstances. You should seek professional financial advice, consider your own circumstances and read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a decision about Prime Super. To view our PDS or TMD, call 1800 675 839 or visit primesuper.com.au. Prime Super Pty Ltd ABN 81 067 241 016 AFSL 219723 RSE L0000277 (Trustee), Prime Super ABN 60 562 335 823 RN 1000276.