Superannuation and tax are inextricably linked, and it is critical to be across how much income tax you pay so you can properly evaluate which super contribution strategies could make most sense to you, particularly since the income tax cuts that started in July 2024.
Enter your taxable income for 2026–27 (or previous years) below and the calculator will show you what offsets you may be eligible for, as well as your marginal tax rate and how much income tax you effectively pay.
- Tax offsets are non-refundable. They reduce the tax you pay to a minimum of zero, but they are not paid to you as a refund.
- SAPTO is assessed on rebate income, not taxable income. Rebate income adds back reportable employer super contributions, deductible personal contributions, net investment and rental losses, and adjusted fringe benefits. A user who salary sacrifices will have a higher rebate income than the figure entered, so the calculator will overstate their SAPTO.
- The SAPTO figures above are the single rates. For a couple, each partner’s offset is worked out on their own rebate income, with a maximum of $1,602 each, a shade-out of $31,847 and a cut-out of $44,663. A couple is only eligible if their combined rebate income is below $89,326. The calculator assumes single.
- Medicare levy family and dependant thresholds are not modelled.
- Medicare levy thresholds are the 2025–26 figures. 2026–27 figures are not yet published.
See how your income tax compared to previous years:
Become a SuperGuide member to use the previous years’ income tax calculators.
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Become a SuperGuide member to use the previous years’ income tax calculators.
See membership options
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