Recontribution Strategy CalculatorSuper Tax-Free Component — Australia
Discover how a recontribution strategy can reduce death benefits tax by increasing the tax-free component of your superannuation
Reduce Tax Burden
Potentially save 17% death benefits tax for your beneficiaries
Increase Tax-Free Component
Convert taxable super to tax-free super through recontribution
Instant Calculations
Get immediate results with our advanced calculator
Important Disclaimer: This calculator provides estimates based on current tax rates and contribution caps. It uses your balance at 30 June 2026 for NCC eligibility and your current withdrawal interest for proportioning. Confirm existing bring-forward arrangements and contributions with the ATO. Age, release conditions and fund acceptance rules are not verified here. The withdrawal is assumed tax-free from a taxed fund; the potential death-benefit saving assumes a taxed taxable component paid directly to an adult non-tax-dependant at 15% plus 2% Medicare. Payments through an estate and untaxed fund components can have different treatment. A recontribution strategy has risks including loss of insurance cover, potential Centrelink impacts, and market risk. These are estimates only. Please seek professional financial advice before implementing any strategy.
Recontribution Strategy Calculator
How Does a Recontribution Strategy Work?
Withdraw from Super
Withdraw money from your superannuation (tax-free if you're over 60)
Re-Contribute as NCC
Re-contribute the same amount as a non-concessional contribution
Increase Tax-Free Component
Your tax-free component increases dollar-for-dollar, reducing future death benefits tax
Frequently Asked Questions About Recontribution Strategies
Common questions about how recontribution strategies work, contribution caps, and death benefits tax
Official ATO Information
For official rules, thresholds, and eligibility criteria, refer to the Australian Taxation Office.
View ATO Non-Concessional Contributions Cap InformationRelated Articles
Superannuation Recontribution Strategy Explained
Full guide to how the strategy works, contribution limits, tax benefits, and eligibility.
Recontribution Strategy Example
Step-by-step worked example showing how the numbers change after a recontribution.
Tax Free vs Taxable Components of Super
How components are created, the proportioning rule, and why it matters for estate planning.
How Much Tax Do Adult Children Pay on Super?
Death benefits tax rates, taxable vs tax-free components, and a worked example.
Recontribution Strategy Age Limits
When you can withdraw and recontribute, and what changes after 65 and 75.
Recontribution Strategy in Pension Phase
What happens to components, accumulation vs pension, and how pension refresh works.
General Information Only
This calculator provides general information only and does not constitute personal financial advice. Results are estimates based on the inputs provided and current ATO rates. Your actual tax obligations may differ. Please consult a licensed financial adviser before making any financial decisions.
Your adult children could face up to 17% tax on the taxable component of your super. You've just seen what that looks like.
A recontribution strategy may reduce that — but the caps, timing, and eligibility need to be right. Let's see if it works for your situation.
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Meet Alan O'Reilly — a licensed financial adviser helping Australian retirees protect more of their super for the people who matter most.