Division 293 Tax Calculator

Earn more and contribute to super? You may have an additional tax obligation. Our Division 293 Tax Calculator estimates your potential liability using your income and concessional super contributions.

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Understand Your Potential Division 293 Liability

Division 293 tax can apply when your income for Division 293 purposes, together with your concessional super contributions, exceeds the $250,000 threshold. Enter your relevant income and concessional contributions to see the combined amount, the excess above the threshold and the estimated tax payable.

The calculator applies the 15% Division 293 tax rate to the lesser of the excess amount or your concessional contributions. Use the result as a helpful estimate of your potential liability and a starting point for understanding how your income and super contributions may affect your overall tax position.

Want to Know What Your Division 293 Result Means?

A calculator can show the estimated amount, but understanding why you’re liable can be just as important. Our tax professionals can review your income and super contributions and explain what your result means for your overall tax position.

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FAQs

Got Questions? We've Got Answers

Understand the threshold, contributions and calculation behind your potential Division 293 liability.

What is Division 293 tax?

Division 293 tax is an additional tax on certain concessional super contributions for individuals whose income and relevant super contributions exceed the Division 293 threshold. It reduces the tax concession available on those contributions.

What is the Division 293 threshold?

The threshold is $250,000 for income years from 2017–18 onwards. Your income for Division 293 purposes is added to certain concessional contributions and compared with this amount.

How does the Division 293 calculation work?

The calculation compares your combined Division 293 income and concessional contributions with the $250,000 threshold. Division 293 tax is generally 15% of whichever is lower: the amount above the threshold or your taxable concessional contributions.

What are concessional super contributions?

These are generally contributions made to super before tax, such as employer contributions, salary sacrifice contributions and eligible personal contributions for which you claim a tax deduction.

Is Division 293 based only on my taxable income?

No. The income figure used for Division 293 purposes can include additional amounts beyond your taxable income. This is why your Division 293 income may not always match the taxable income shown on your tax return.

Can employer super contributions count towards Division 293?

Yes. Employer super contributions can form part of your concessional contributions and may therefore be included in the Division 293 calculation.

How will I know if I have to pay Division 293 tax?

If the ATO determines that you are liable, it will issue a Division 293 notice after receiving your income tax return and relevant contribution information from your super fund.

Can this calculator tell me my exact Division 293 liability?

No. It provides an estimate based on the figures you enter. Your final liability may depend on additional information used by the ATO when completing its assessment.

Get Clarity Before Your Division 293 Bill Arrives

If your income is close to or above the Division 293 threshold, understanding the potential impact of your super contributions can help you avoid surprises. Speak with our team for advice tailored to your circumstances.