Super contributions optimiser

Explore how extra super contributions could affect your tax position, take-home pay and long-term retirement savings. It is designed to help you weigh the trade-off between keeping cash today and boosting super for later.

What this native cut captures

Before-tax salary sacrifice versus after-tax contribution tradeoffs against one out-of-pocket budget
Employer super, concessional tax, Division 293, LISTO and government co-contribution estimates
Contribution-cap and transfer-balance guardrails kept in reusable C# service logic

Your optimiser inputs

Use the same core inputs as the imported calculator, then let Open Loans recommend the best split for the extra amount you can afford to put into super.

Recommendation

The recommendation below compares a no-extra-contribution baseline with the best mix Open Loans found inside your nominated out-of-pocket budget.

Recommended before-tax contribution (per week) $293

Recommended after-tax contribution (per week) $1

Additional net super added each year $12,993

With an annual income of $95,000 and an extra contribution budget of $200 per week, this first-cut optimiser recommends $293 before tax and $1 after tax each week. That is estimated to add $12,993 more into super each year while reducing take-home pay by $10,400 annually.

First native cut: partner modelling, bring-forward rules and defined-benefit edge cases are still intentionally deferred so the reusable core service can land now.

Annual comparison

Baseline versus recommended contribution mix

Line item	No extra contributions	Recommended mix
Taxable income	$95,000	$79,750
Income tax	$19,288	$14,713
Medicare levy	$1,900	$1,595
Take-home pay	$73,812	$63,442
Net pay after contributions	$73,812	$63,412
Employer contributions	$11,400	$11,400
Before-tax contributions	$0	$15,250
After-tax contributions	$0	$30
Contributions tax	$1,710	$3,998
Division 293 tax	$0	$0
Government co-contribution	$0	$0
LISTO	$0	$0
Net contributions to super	$9,690	$22,683

What to watch

The salary-sacrifice versus after-tax mix can feed future refinance and switch nudges where surplus cashflow is already known.
Annual tax-saved and take-home-pay impacts give the app another way to explain tradeoffs instead of only showing balances.
Employer super, LISTO and co-contribution logic can now be reused across broader retirement and borrower-readiness flows.

How these estimates work

Concessional contributions are capped at $30,000 a year and non-concessional contributions are capped at $120,000.
After-tax contributions are restricted to zero once the current super balance is already above the $2,000,000 transfer-balance guardrail used by the imported calculator.
Employer and before-tax contributions are taxed at 15%, with a Division 293 estimate where the higher-income threshold is triggered.
The result includes a first-cut estimate of government co-contribution and low income super tax offset benefits.
The current implementation uses resident individual tax and Medicare settings for the 2025-2026 financial year.