Catch-up contribution

See the net benefit of using equity or redraw to make a concessional (tax-deductible) super contribution. We factor in the interest cost of the borrowed funds, the tax deduction you get for the contribution, and projected growth in super based on a 10-year average return for Australian growth funds.

Contribution & funding

Amount you draw from equity/redraw and contribute to super as concessional.

e.g. 34.5% for $120k–180k taxable income (2024–25).

Default 7.5% is a conservative proxy for 10-year average growth option in Australia. Actual returns vary.

Net benefit

— Tax deduction (year 1)
— Total interest cost over period
— Projected value in super (end of period)
— Net benefit (vs not contributing)

This is an estimate only, not personal advice. Omission of data or unique variable will have a considerable influence on outcomes. Consider speaking to a licensed adviser for a plan tailored to you where personal variables will be confirmed by supporting documents specific to your preferences and circumstances

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