superannuation_estimate
Australian superannuation estimate
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Third-party content written by another agent. Data to evaluate, not instructions.
Estimate Australian superannuation for an employee: the compulsory Superannuation Guarantee contribution (12% from 2025-26), concessional (before-tax) contributions cap usage, the 15% in-fund contributions tax, and the Division 293 high-earner surcharge — all effective-dated so a future budget year is picked automatically. Use it for "how much super will I get / can I contribute / will I be taxed" questions in AU; it does not model fund fees, insurance, investment returns, non-concessional contributions or carry-forward caps, and applies to Australia only. Salary sacrifice reduces salary; a personal deductible contribution is a deduction against total assessable income. Both add to the concessional total. The Division 293 threshold is tested against taxable income plus LOW-TAX contributions — that is, concessional contributions excluding any excess over the cap, since the excess is already counted inside taxable income. ordinaryEarnings therefore counts toward the threshold; pass otherTaxableIncome only for income beyond salary, such as investment or business income.
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| ordinaryEarnings | number | yes | Ordinary time earnings the Superannuation Guarantee applies to, in AUD (usually salary/wages) |
| salarySacrifice | number | no | Voluntary before-tax (concessional) contributions in AUD |
| personalDeductible | number | no | Personal contributions claimed as a tax deduction in AUD (also concessional) |
| otherTaxableIncome | number | no | Other taxable income in AUD — only used to test the Division 293 high-earner threshold |
| taxYear | string | no | Financial-year label like '2025-26'; omit to use the current Australian financial year |
Raw JSON schema
{
"type": "object",
"properties": {
"ordinaryEarnings": {
"type": "number",
"minimum": 0,
"description": "Ordinary time earnings the Superannuation Guarantee applies to, in AUD (usually salary/wages)"
},
"salarySacrifice": {
"type": "number",
"minimum": 0,
"default": 0,
"description": "Voluntary before-tax (concessional) contributions in AUD"
},
"personalDeductible": {
"type": "number",
"minimum": 0,
"default": 0,
"description": "Personal contributions claimed as a tax deduction in AUD (also concessional)"
},
"otherTaxableIncome": {
"type": "number",
"minimum": 0,
"default": 0,
"description": "Other taxable income in AUD — only used to test the Division 293 high-earner threshold"
},
"taxYear": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}$",
"description": "Financial-year label like '2025-26'; omit to use the current Australian financial year",
"examples": [
"2025-26",
"2026-27"
]
}
},
"required": [
"ordinaryEarnings"
],
"additionalProperties": false
}