Super tool
Division 293 tax
The extra 15% super tax for high earners.
Estimates the additional 15.00% Division 293 tax on concessional contributions for clients whose income plus contributions exceed the $250,000 threshold.
The tool shows how much of the contribution is caught, the tax payable, and the effective rate the client really pays on those contributions, which is the number that decides whether extra concessional contributions still make sense.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Taxable income and reportable fringe benefits
- Concessional contributions for the year
- Investment losses added back for the Division 293 income test
What it reports
- Division 293 income against the $250,000 threshold
- The contributions caught by the extra tax
- Division 293 tax payable
- The effective tax rate on concessional contributions
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
Income of $245,000 plus $27,500 of contributions puts $22,500 over the threshold; the Division 293 bill is $3,375.
Even with Division 293, the caught contributions are taxed at 30.00% against a 47.00% marginal rate, so the strategy still saves $3,825.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.