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本帖最后由 whocares2014 于 2026-6-1 01:18 编辑
你漏了一点，每年super 贡献有额度的，最多交3。2万，15%税。
超过的，如果super总额没超过50万，可以用以往五年的低于3。2万的balance来抵。但是只要超过3。2万就是30%的税。
比交45%的最高税率低一些，但是钱就锁住了。
The yearly superannuation contribution caps in Australia are $32,500 for concessional (before-tax) contributions and $130,000 for non-concessional (after-tax) contributions. Standard concessional contributions entering your fund are generally taxed at a concessional rate of 15%.1. Concessional (Before-Tax) ContributionsThe Cap: $32,500 per financial year for everyone, regardless of age.
What's included: Employer Super Guarantee (SG) payments, salary sacrifice arrangements, and personal contributions you claim as a tax deduction.The Tax Rate: Generally taxed at 15% upon entering the super fund.
High-Income Earners: If your combined income and concessional super contributions exceed \(\$250,000\) a year, you will pay an additional 15% tax (Division 293 tax) on contributions exceeding the threshold.Catch-Up Rule: If your Total Super Balance (TSB) is under \(\$500,000\) on 30 June of the previous financial year, you may be able to carry forward any unused concessional caps from the previous five years.
2. Non-Concessional (After-Tax) ContributionsThe Cap: $130,000 per financial year.What's included: Personal contributions you make from your take-home pay that are not claimed as a tax deduction
.The Tax Rate: 0% (no tax) when entering the fund, as you have already paid personal income tax on these funds.Bring-Forward Rule: If you are under 75 years old, you may be able to "bring forward" up to 3 years' worth of non-concessional contributions in a single year depending on your Total Superannuation Balance:Balance under \(\$1.84\) million: Up to $390,000 (3-year period).Balance between \(\$1.84\) million and \(\$1.97\) million: Up to $260,000 (2-year period).Balance above \(\$1.97\) million: Bring-forward is not permitted, and the annual cap is $130,000. |
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