Super Contribution Strategy
Last updated 2026-02-24
Make the most of your super
The Super Strategy calculator in Tax > Super analyses your income data to show exactly how much room you have to contribute and how much tax you could save.
What you'll see
Concessional contributions
The current concessional cap is $30,000 per year. Finance Frank shows your employer super guarantee (SG) contributions and how much cap you have remaining. If you salary sacrifice, you'll see the exact tax savings compared to taking the same amount as income.
Non-concessional contributions
The non-concessional cap is $120,000 per year (or up to $360,000 using the 3-year bring-forward rule). The calculator tracks your after-tax contributions against these limits.
Co-contribution eligibility
If your income falls within the threshold, you may be eligible for a government co-contribution of up to $500. Finance Frank checks this automatically.
How to use it
- Navigate to Tax > Super
- Review your concessional cap usage and remaining room
- Adjust the salary sacrifice slider to model different contribution amounts
- Check the projected tax savings and take-home pay impact
Tips
- Salary sacrifice contributions are taxed at 15% inside super, compared to your marginal rate outside super
- Start early in the financial year to maximise the compounding benefit
- Check your cap remaining before making a large lump-sum contribution
- See Tax Position Dashboard for how contributions affect your overall tax estimate