How will a personal contribution affect my tax return?
The amount of tax you pay on super contributions depends on what kind of contribution it was, whether you’ve gone over the contributions caps or if you’re a high-income earner.
Before-tax (concessional) contributions, like employer contributions and salary sacrifice, are generally taxed at 15%. After-tax (non-concessional) contributions, like contributions made from your after-tax income or by your spouse into your super account, are not subject to tax.
To learn more about tax and super, visit the Australian Taxation Office (ATO) website.
* If your combined income and concessional contributions are more than $250,000 you may have to pay extra tax on your contributions.