Division 293 Tax
Calculator AU 2026-27
Calculate the Division 293 extra 15% tax on concessional super contributions for high-income earners, on the FY 2026-27 figures. $250,000 threshold (unchanged since 2017), $32,500 concessional cap, carry-forward and net investment losses included. Combined effective rate 30% — still well below the 47% top marginal.
Read the full answer — method, rates and figures
Quick answer: Division 293 of ITAA 1997 levies an additional 15% tax on concessional super contributions for high-income earners. The threshold is $250,000 for 2026-27 and has been unchanged since 1 July 2017 (it was $300,000 from FY 2012-13 to 2016-17).
The tax applies to the LESSER of (a) concessional contributions within your cap ($32,500 for FY 2026-27, or higher with carry-forward), or (b) the amount by which Division 293 income PLUS those contributions exceeds $250,000 — so $300,000 of taxable income with $28,000 of contributions gives 15% × $28,000 = $4,200. Combined with the 15% contributions tax inside super, the effective rate on concessional contributions is 30% for affected earners — still 17 percentage points cheaper than the 47% top marginal rate (45% + 2% Medicare levy).
Employer SG alone cannot exceed the cap: the maximum contribution base for 2026-27 is an annual $270,830, so compulsory SG at 12% tops out at $32,499.60. The ATO issues the assessment once it has your return and your fund's reporting; pay by the due date on the notice, from cash or by electing within 60 days to release money from super.
Sources: ATO, Division 293 tax on concessional contributions by high-income earners; ATO, Super guarantee (maximum contribution base).
After salary sacrifice and personal super deductions.
Added back to income for Division 293 — negative gearing does not lower the test.
SG + salary sacrifice + personal deductible. Cap $32,500 FY 2026-27. Compulsory SG tops out at $32,499.60.
Unused cap from earlier years (total super balance under $500,000 at the previous 30 June). Your cap this year: $32,500.
Income + Contributions
$308,000
above threshold
Excess Over $250k
$58,000
Div 293 may apply
Division 293 Tax
$4,200
15% × $28,000
Effective Contribution Tax
30.00%
vs 47% marginal
Concessional contribution tax comparison
- • Standard 15% contributions tax inside super: $4,200
- • Plus Division 293 additional 15%: $4,200
- • Total tax on $28,000 concessional: $8,400 (30.00%)
- • Same amount as salary at top marginal 47%: $13,160
- • Net saving with super (even with Div 293): $4,760
⚠ Threshold $250,000 unchanged since 1 July 2017 — more earners cross it each year. Pay by the due date on the ATO notice, from cash or by electing within 60 days to release money from super.
Keep this Div 293 bill in view
The ATO notice arrives months after year end. Richify keeps your super, contributions, home and investments in one net-worth view, so next year's Div 293 shows up before the notice does.
Income + contributions
$308,000
Div 293 tax
$4,200
Tax on contributions
30.00%
Saving vs 47% salary
$4,760
Can employer super alone trigger Division 293?
Yes — and for a single high salary it is the usual cause. Compulsory Super Guarantee is a concessional contribution, so it is added to your income before the $250,000 threshold is tested and it forms part of the tax base. What it cannot do is breach the contributions cap. The maximum contribution base limits the earnings on which an employer must pay SG: for FY 2026-27 it is an annual $270,830, so the most compulsory super one employer must pay for the year is 12% × $270,830 = $32,499.60 — forty cents below the $32,500 concessional cap. That is by design: the base is set by formula as the concessional cap × 100 ÷ the SG rate, so the two move together. A worker on $270,830 and a worker on $600,000 receive the same compulsory $32,499.60, and both sit inside the cap. The practical consequence for Division 293 planning is that on a salary above roughly $271,000 there is no concessional room left to salary sacrifice into — SG has already used it.
What changed on 1 July 2026
Four FY 2026-27 changes affect this calculation. The concessional contributions cap rose from $30,000 to $32,500, indexed to AWOTE in $2,500 steps — so the standard maximum Division 293 bill rose from $4,500 to $4,875. The maximum contribution base changed from a quarterly figure to an annual one ($62,500 per quarter in 2025-26 became $270,830 for the year), part of the payday super regime that requires contributions for each payday rather than quarterly; the annual basis matters for anyone with lumpy pay, because a large bonus in one quarter no longer wastes SG entitlement against a quarterly ceiling. Division 296 began taxing earnings on total super balances above $3 million — a separate tax that can apply alongside Division 293. And the $250,000 Division 293 threshold did not move — it has been static since 1 July 2017 and is not indexed. The Super Guarantee rate is unchanged at 12%, its final legislated level since 1 July 2025.
Last updated: 15 September 2026 — figures current for the 2026-27 financial year (1 July 2026 to 30 June 2027).
Primary sources: ATO, Division 293 tax on concessional contributions by high-income earners (updated 24 August 2026); ATO, Super guarantee — maximum contribution base $270,830 (2026-27); ATO, Key superannuation rates and thresholds — concessional cap $32,500; ATO, Division 296 tax on large super balances (updated 29 June 2026); Income Tax Assessment Act 1997, Divisions 291 and 293.
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Last reviewed 8 October 2026 by the Richify AI agent team.
Reviewed by Felix, Richify's AI CFO — an AI author, presented as one.
This is the textbook answer. Want to see this calculated against your actual accounts?
Connect them to Richify →Division 293 is one line of your super. See the rest.
Richify puts your super balance, contributions, home and investments in one net-worth view — so a cap, a Division 293 bill or the $3 million Division 296 threshold shows up before the ATO notice does.
Download Richify — 7-day free trialHow it works
Division 293 of the Income Tax Assessment Act 1997 levies an additional 15% tax on concessional super contributions for high-income earners:
- Threshold $250,000 — tested on Division 293 income (taxable income + reportable fringe benefits + net investment losses + family trust distribution tax amounts, less zero-rated lump sums and FHSS releases; reportable super contributions are disregarded) PLUS your concessional contributions. Static since 1 July 2017.
- Tax base — the lesser of — (a) concessional contributions within your cap ($32,500 for FY 2026-27, higher with carry-forward), OR (b) the excess of Division 293 income plus those contributions over $250,000.
- Rate 15% — applied on top of the standard 15% contributions tax inside super, making the effective rate 30% on concessional contributions.
- Still tax-effective — 30% in super still beats the 47% top marginal rate: 17 cents saved per dollar contributed.
Payment: by the due date on the ATO's Division 293 notice, from your own money or by electing (within 60 days of the assessment) to release money from super. Source: ATO, Division 293 tax on concessional contributions by high-income earners.
Division 293 tax on concessional contributions by high-income earners: how it works
That is the ATO's name for the tax, and the rule behind it fits in one line: if your income and concessional contributions for Division 293 purposes add up to more than $250,000, you pay an extra 15% on whichever is smaller — your contributions, or the amount by which the total exceeds $250,000. The ATO calls that smaller amount your "taxable super contributions". It works in three steps:
- Income for Division 293 purposes. Taxable income, plus reportable fringe benefits, plus net financial investment loss and net rental property loss, plus any amount on which family trust distribution tax was paid — less zero-rated super lump sums and assessable FHSS releases.
- Division 293 super contributions. Your concessional contributions — employer and SG contributions, salary sacrifice and personal deductible contributions — less any excess over your cap.
- Add the two and compare with $250,000. The tax is 15% of the lesser of step 2 and the excess.
The contributions are part of the income test. That is why salary sacrifice cannot slip you under the line: a sacrificed dollar leaves your taxable income but comes straight back in as a contribution. On $300,000 of taxable income and $28,000 of concessional contributions, income for Division 293 purposes including the contributions is $328,000, the excess is $78,000, and the tax is 15% × $28,000 = $4,200 — the full working is in the next section. Because this extra 15% sits on top of the 15% contributions tax, the salary sacrifice calculator shows whether sacrificing is still worth it at your income.
Source: ATO, Division 293 tax on concessional contributions by high-income earners (last updated 24 August 2026), read 8 October 2026.
If taxable income is $300k and super is $28k, how much Division 293 tax?
$4,200. Division 293 adds your concessional contributions to your income before the $250,000 test, so $300,000 + $28,000 = $328,000 — $78,000 over the threshold. The tax is 15% of the lesser of the contributions ($28,000) and that excess ($78,000): 15% × $28,000 = $4,200.
| $300,000 taxable income · $28,000 concessional | 2026-27 |
|---|---|
| Division 293 income + contributions | $328,000 |
| Excess over $250,000 | $78,000 |
| Taxed amount (lesser of the two) | $28,000 |
| Division 293 tax (15%) | $4,200 |
| Plus 15% contributions tax inside the fund | $4,200 |
| Total tax on the $28,000 | $8,400 (30%) |
| Same money as salary at 47% | $13,160 |
| Still saved by contributing | $4,760 |
"Taxable income" here is after salary sacrifice and any personal super deduction. If $300,000 is your salary before sacrificing, your taxable income is lower — enter the lower figure, because Division 293 counts the sacrificed amount once, as a contribution, not a second time as income. The ATO's own example works the same way: $240,000 of Division 293 income and $15,000 of contributions is $255,000, so only the $5,000 above the threshold is taxed — $750.
Division 293 (Div 293) threshold 2026-27: still $250,000
The Division 293 threshold is $250,000 for 2025-26 and for 2026-27. It has not changed since 1 July 2017, when it was cut from $300,000, and it is not indexed — unlike the concessional cap, which rose to $32,500 on 1 July 2026, and the Division 296 thresholds, which are indexed to CPI. No change to the $250,000 figure has been legislated for 2027-28.
The threshold is tested on income PLUS contributions, which is why Division 293 reaches people who earn less than $250,000. Someone with $230,000 of taxable income and a full $32,500 of concessional contributions is at $262,500 — $12,500 over — and pays $1,875. Below the threshold the bill phases in dollar for dollar; once the excess passes your contributions, the bill stops growing. On the standard cap the most it can be is $4,875.
| Division 293 income | $15,000 super | $25,000 super | $32,500 super |
|---|---|---|---|
| $200,000 | $0 | $0 | $0 |
| $220,000 | $0 | $0 | $375 |
| $240,000 | $750 | $2,250 | $3,375 |
| $250,000 | $2,250 | $3,750 | $4,875 |
| $260,000 | $2,250 | $3,750 | $4,875 |
| $280,000 | $2,250 | $3,750 | $4,875 |
| $300,000 | $2,250 | $3,750 | $4,875 |
| $400,000 | $2,250 | $3,750 | $4,875 |
Division 293 tax for 2026-27 by income (excluding contributions) and total concessional contributions, computed with this page's calculator. Assumes no carry-forward cap.
How to calculate Division 293 income
The ATO builds Division 293 income from your tax return using the Medicare levy surcharge income test, but disregarding reportable super contributions. Add up:
- taxable income (assessable income minus allowable deductions)
- reportable fringe benefits
- net financial investment loss and net rental property loss (added back)
- the net amount on which family trust distribution tax was paid
Then subtract any super lump sum taxed element with a zero tax rate and any assessable first home super saver (FHSS) released amount. Finally add your Division 293 super contributions — concessional contributions (employer SG, salary sacrifice, personal deductible) less any excess over your cap — and compare the total with $250,000.
Two traps. A negatively geared property does not shelter you: the rental loss that lowers your taxable income is added straight back. And a one-off year can trigger it — a large capital gain, an eligible termination payment or back pay can push an ordinary earner over the threshold for that year only.
Carry-forward contributions count in full. If you use unused cap amounts from earlier years (possible when your total super balance was under $500,000 at the previous 30 June), every contribution inside the higher cap is a Division 293 contribution. $300,000 of taxable income with $60,000 contributed under a $60,000 carry-forward cap gives a $9,000 bill — well above the $4,875 ceiling people usually quote. See the carry-forward super calculator.
Division 293 tax assessment: when the notice arrives and how to pay
You do not calculate or lodge Division 293 yourself. The ATO sends an “Additional tax on concessional contributions (Division 293)” notice once it has both your tax return and your fund's contribution reporting — to your myGov inbox if you lodge with myTax. If a second fund reports late, expect an amended assessment. When the income or contribution figures on the notice are wrong, the fix is usually to correct your return or your fund's reporting; an objection is the fallback.
Pay by the due date on the notice to avoid interest, either from your own money or by electing to release money from super. The election is made in ATO online services (Super → Manage → Division 293 election) up to 60 days from the assessment — but those 60 days do not extend the due date, and the election cannot be withdrawn. Defined benefit members are still assessed, with the tax deferred to a debt account until a benefit is paid.
Division 293 and Division 296 in the same year
They are separate taxes that can land on the same person. Division 293 taxes this year's concessional contributions and is triggered by income over $250,000. Division 296, which applies from 1 July 2026, taxes super earnings and is triggered by a total super balance over $3 million: 15% of the share of earnings set by how far the balance exceeds $3 million, plus a further 10% on the share above $10 million. Paying one does not reduce the other.
| Division 293 | Division 296 | |
|---|---|---|
| Trigger | Income + contributions over $250,000 | Total super balance over $3M |
| Taxes | Concessional contributions | Super earnings |
| Threshold indexed? | No | Yes — $150,000 steps ($3M), $500,000 steps ($10M) |
| Due | Date on the notice | Generally 84 days after the notice |
| Release from super | Election within 60 days | Election within 60 days |
| First 2026-27 notice | After your return and fund reporting | Later half of 2027-28 |
Worked example (≈, earnings held constant): $400,000 of taxable income, a full $32,500 of concessional contributions, a $4,000,000 balance at 30 June 2027 and $200,000 of earnings attributed for the year. Division 293 is $4,875. Division 296 is 15% × 25% × $200,000 = $7,500. Together: $12,375.
The two also interact. Contributions land in your balance after the fund's 15% contributions tax (Division 293 itself is billed to you, not the fund, unless you elect a release), and a bigger 30 June balance raises the share of earnings Division 296 taxes. In this example the year's net contribution adds about $156 of Division 296 — small next to the $5,525 still saved against taking the same money as salary at 47%. Model the balance side with the Division 296 calculator.
How to use this calculator
- Enter your taxable income for the financial year — after salary sacrifice and any personal super deduction, so contributions are not counted twice.
- Enter reportable fringe benefits (the grossed-up amount on your income statement) and any net investment loss — rental and financial losses are added back for Division 293.
- Enter your total concessional super contributions for the year (employer SG + salary sacrifice + personal deductible). SG is 12% of qualifying earnings for FY 2026-27, capped by the $270,830 maximum contribution base at $32,499.60 of compulsory employer super.
- If you are using carried-forward unused cap amounts, enter the extra cap you are applying this year — every contribution inside the higher cap counts for Division 293.
- Read the result: 15% of the lesser of your within-cap contributions and the excess over $250,000, and the comparison with taking the same money as salary at 47%.
❓ Frequently Asked Questions
What is Division 293 tax?
Division 293 of the Income Tax Assessment Act 1997 imposes an additional 15% tax on concessional (pre-tax) superannuation contributions of high-income earners — those whose Division 293 income plus Division 293 super contributions exceed $250,000 in a financial year. It started on 1 July 2012 at a $300,000 threshold, which was reduced to $250,000 from 1 July 2017.
The tax is on top of the standard 15% contributions tax that concessional contributions pay inside super, making the effective rate on concessional contributions 30% for affected earners. Despite this, 30% is still lower than the top marginal rate of 47% (45% income tax + 2% Medicare levy), so concessional contributions remain tax-effective even with Division 293.
How is the $250,000 threshold calculated?
Per the ATO, Division 293 income uses the Medicare levy surcharge income test while disregarding reportable super contributions: taxable income, plus reportable fringe benefits, plus net financial investment loss and net rental property loss, plus the net amount on which family trust distribution tax has been paid, minus any super lump sum taxed element with a zero tax rate and any assessable first home super saver released amount. Your Division 293 super contributions are then added — concessional contributions (employer SG, salary sacrifice and personal deductible contributions) less any excess concessional contributions.
If that total is above $250,000, Division 293 applies. Salary sacrifice is counted once, as a contribution, not twice.
The threshold has not been indexed since 1 July 2017.
What is the Division 293 rate and how is it applied?
15%, applied to the LESSER of: (a) your Division 293 super contributions (concessional contributions less any excess over your cap), or (b) the amount by which Division 293 income PLUS those contributions exceeds $250,000. Example: someone on $255,000 taxable income with $25,000 of concessional contributions.
Division 293 income plus contributions = $280,000, so the excess over the threshold is $30,000. Lesser of (a) $25,000 contributions or (b) $30,000 excess = $25,000.
Div 293 tax = 15% × $25,000 = $3,750. Combined with the 15% contributions tax already paid inside super, total tax on the $25,000 = $7,500 (30%) — vs $11,750 (47%) if taken as salary, a net saving of $4,250.
On the standard $32,500 cap the maximum bill is $4,875, but a carry-forward cap raises it, because every contribution inside the higher cap counts.
How do I pay Division 293 tax?
The ATO sends a Division 293 notice once it has both your tax return and your super fund's contribution reporting (an amended notice can follow if another fund reports later). Pay by the due date shown on the notice to avoid interest, using one of two options: (1) your own money; or (2) an election to release money from super, lodged through ATO online services (Super, then Manage, then Division 293 election).
You have up to 60 days from the assessment to make the election, but the 60 days do not change the due date, and the election cannot be withdrawn once made. The ATO sends a release authority to the fund you nominate, and the fund pays the ATO.
Defined benefit members are still assessed, but the tax is deferred to a debt account until a benefit is paid.
Does Division 293 apply to my employer's SG contributions?
Yes — employer Super Guarantee (SG) is a concessional contribution, alongside salary sacrifice and personal deductible contributions, so it counts toward both the $250,000 test and the tax base. The SG rate is 12% for FY 2026-27; it reached 12% on 1 July 2025 and no further increases are scheduled.
Employer SG alone cannot push you over the concessional cap, because of the maximum contribution base: from 1 July 2026 it is an annual $270,830, so the most SG an employer is required to pay for the year is 12% × $270,830 = $32,499.60 — forty cents under the $32,500 concessional cap. A $400,000 employee therefore receives the same $32,499.60 of compulsory SG as a $270,830 employee, and both are inside the cap, with effectively no room left for salary sacrifice.
You cannot opt out of SG to reduce Division 293, so high earners whose SG alone takes them past the threshold will pay it on compulsory contributions.
Can I avoid Division 293 by reducing my contributions?
Only partially, and often not at all. You can stop salary sacrifice and personal deductible contributions, but employer SG at 12% of qualifying earnings is mandatory.
Worked example on a $260,000 salary: SG alone is $31,200. Division 293 income ($260,000) plus contributions ($31,200) = $291,200, so the excess over the $250,000 threshold is $41,200.
The Div 293 base is the lesser of $31,200 and $41,200 = $31,200, giving Division 293 tax of $4,680 — on compulsory contributions you could not have declined. Stopping voluntary contributions only reduces Division 293 where those voluntary contributions are what pushes the base up, and it costs you the 15%-vs-marginal saving on every dollar you stop.
At a 30% combined rate against a 47% marginal rate, concessional contributions usually remain net-positive even for people paying Division 293.
Is Division 293 still better than paying marginal income tax?
Yes, generally. Top marginal rate 2026-27 is 45% + 2% Medicare levy = 47%.
Concessional super with Division 293: 15% contributions tax + 15% Div 293 = 30%. Net saving per $1 contributed (vs taking as salary): 47% − 30% = 17 percentage points.
On a full $32,500 concessional contribution, that's $5,525 saved per year. Plus tax-advantaged growth inside super (15% on earnings or 10% on capital gains held >12 months in accumulation; 0% in retirement phase).
Caveat: super is locked until preservation age (60 for most), so the liquidity trade-off matters — and a balance above $3 million now also attracts Division 296 on earnings.
What if I exceed the concessional cap AND have Division 293?
Two separate problems stack. Excess concessional contributions (above $32,500 in FY 2026-27, unless you have a carry-forward cap) are included in your assessable income and taxed at your marginal rate, with a 15% tax offset for the contributions tax your fund already paid.
They are not Division 293 super contributions. Division 293 applies to the contributions within the cap.
Example: a high earner with $37,500 of concessional contributions, $5,000 over the $32,500 cap. The $5,000 excess is taxed at 45% + 2% = $2,350 net of the offset; the $32,500 within the cap attracts 15% standard ($4,875) plus 15% Division 293 ($4,875) = $9,750.
Total tax on the full $37,500 = $12,100, an effective 32.3%. Still cheaper than 47% marginal on $37,500 of salary ($17,625).
Because the maximum contribution base caps compulsory SG at $32,499.60, an excess in 2026-27 almost always comes from voluntary contributions or from having more than one employer.
Are SMSF contributions treated the same for Division 293?
Yes — Division 293 applies identically regardless of whether contributions go to a retail fund, industry fund, or SMSF. The ATO works out your Division 293 super contributions from the contribution information every fund reports, aggregated across all your funds, and the tax is assessed to you personally, not to any fund.
If a fund reports after your notice has issued, the ATO issues an amended assessment. Unlike excess contributions, the ATO has no discretion to disregard or reallocate contributions for Division 293 purposes.
Will the Division 293 threshold be indexed for inflation?
Not under current legislation. The $250,000 threshold has been static since 1 July 2017, when it was reduced from $300,000, and because it is not indexed, wage growth pulls more people into it every year.
The Division 296 tax on large super balances — law, applying from 1 July 2026 — takes the opposite approach: its $3 million and $10 million thresholds are indexed to CPI in $150,000 and $500,000 increments. Division 296 taxes EARNINGS on balances above $3 million (15% of the share of earnings attributable to the excess, plus a further 10% above $10 million), while Division 293 taxes CONTRIBUTIONS, and the two can apply to the same person in the same year.
If my taxable income is $300k and super contributions are $28k, how much Division 293 tax do I pay?
$4,200 for 2026-27. Division 293 counts your concessional contributions as part of your income for the test, so $300,000 + $28,000 = $328,000, which is $78,000 over the $250,000 threshold.
The tax is 15% of the lesser of your contributions ($28,000) and that excess ($78,000): 15% × $28,000 = $4,200. Add the $4,200 of ordinary contributions tax inside the fund and the $28,000 is taxed $8,400 in total (30%), against $13,160 if the same money were taken as salary at the 47% top rate.
This assumes the $300,000 is taxable income after salary sacrifice, with no fringe benefits or investment losses to add back.
Can I pay Division 293 tax if my income is under $250,000?
Yes. The $250,000 test is applied to Division 293 income PLUS your concessional contributions, so income under $250,000 can still produce a bill.
With $230,000 of taxable income and a full $32,500 of concessional contributions, the total is $262,500 — $12,500 over the threshold — and Division 293 tax is 15% × $12,500 = $1,875. Below the point where the excess equals your contributions, every extra dollar of income adds 15 cents of Division 293 tax; above it, the bill is fixed at 15% of your contributions.
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Further Reading
Division 293 is one line of your super. See the rest.
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