Super Splitting Calculator
Estimate how much of a partner's concessional super contributions could be split to the other partner's super account.
Your results
Calculation breakdown
- Splittable amount
- min(concessional contributions × maximum split %, concessional cap)
Worked example
From $15,000 in concessional contributions last year, up to 85%, or $12,750, could be split to a spouse's super account.
Assumptions
- Individual super funds set their own splitting rules and forms within the ATO's 85% maximum.
- Only concessional contributions from the previous financial year are generally eligible.
Sources
How this calculator works
This calculator estimates the amount of eligible concessional contributions from the most recent financial year that could be split to a spouse's super account, subject to the standard splitting percentage limit. Contribution splitting can help balance super between partners approaching preservation age.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
What contributions can be split?
Generally, concessional contributions made in the previous financial year, such as super guarantee and salary sacrifice, can be split — non-concessional contributions cannot.
How much can be split?
Funds typically allow splitting of up to 85% of concessional contributions for the year, reflecting contributions tax already paid, up to the concessional cap.
Why would a couple split super contributions?
It can help equalise super balances between partners, which may bring forward access to preservation age benefits or improve Age Pension outcomes for the couple.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.