Super Calculator for Australian Freelancers
Super is taxed at 15%. Your income isn't. That gap is your tax saving.
Every dollar you contribute to super is taxed at 15% instead of your marginal rate. If you've got income you can afford to set aside long-term, contributing to super is the most tax-efficient way to invest it. The calculator shows you exactly what the numbers look like at your income level.
17–32%
Per-dollar saving
15%
Super tax rate (flat)
$30,000
Annual cap (2025-26)
Want the full walkthrough? The guide covers everything
How it works, in real dollars
Here's what a $20k contribution looks like on $100k income. Your numbers will differ based on your income and how much you contribute.
$3,400
Tax saved
You contribute $20k. Your marginal rate is 30% + 2% Medicare. Super is taxed at 15%. The 17% gap = $3,400 back on your tax return.
$16,600
Actual cost
$20k goes in, you get $3,400 back in tax. Net cost: $16,600. You've put $20,000 into retirement for $16,600 out of pocket. The ATO subsidises the rest.
$30k cap
Scales linearly
$10k saves $1,700. $20k saves $3,400. $30k saves $5,100. Every dollar up to the cap works the same way. The calculator lets you pick your number.
Super contributions are locked until preservation age (currently 60). This works best with income you'd invest for the long term anyway.
See your numbers
Pick your income and contribution amount. The maths works the same at every level.
Your marginal rate: 30% + 2% Medicare
Pick what you could comfortably set aside long-term. This money is locked in super until age 60+.
Cap remaining: $30,000
At your income, you save ~$170 for every $1,000 you contribute
This calculator provides general information only and is not financial advice.
Common questions
Is this financial advice?
No. This calculator provides general information to help you understand how super contributions work. For advice specific to your situation, talk to a qualified financial adviser.
How much can I contribute?
The concessional contribution cap for 2025-26 is $30,000 per year. This includes any employer contributions. If you have unused cap from previous years, you may be able to carry it forward. Check with your super fund or accountant.
Are the tax rates up to date?
Yes. The calculator uses 2025-26 Australian tax brackets and the current $30,000 concessional contribution cap.
What about the new super rules?
The government has announced changes to super tax for high balances (over $3M), effective from 2025-26. For most freelancers, the current rules still apply. We'll update the calculator as new rules take effect.
How do I actually make a contribution?
You make a personal contribution to your super fund (usually via BPAY or bank transfer), then submit a "Notice of intent to claim" form to your fund before lodging your tax return. The complete guide covers this step-by-step.
The savings are real.
The guide makes it easy.
Step-by-step instructions for making your first contribution, claiming the deduction, and avoiding the five mistakes that cost freelancers thousands every year.
13 chapters · 150+ pages · 30-day guarantee
The information on this page is general in nature and does not constitute financial, tax, or legal advice. Projections assume a 7% average return and consistent contributions. Actual results will vary. Super contributions are preserved until retirement age. Always consider your personal circumstances before making financial decisions.