Super Death Benefits & Estate Planning
Calculate tax on superannuation death benefits across different beneficiary types — dependants pay $0 tax, non-dependants pay up to 17%. Model your nomination strategy.
Super Fund Details
📊 Components Explained: Tax-free = non-concessional contributions + CGT small business amounts. Taxed element = concessional contributions (taxed at 15% inside fund). Untaxed element = typically defined benefit or some public sector funds.
Beneficiary Distribution
Death Benefit Tax Analysis
Add beneficiaries to see analysis.
Nomination Strategy Review
Binding nomination setup, estate streaming, and tax-minimisation strategy for super death benefits.
Upgrade to PremiumDeath Benefit Tax Rates
| Beneficiary | Tax-Free Component | Taxed Element | Untaxed Element |
|---|---|---|---|
| Spouse / de facto | 0% | 0% | 0% |
| Child under 18 | 0% | 0% | 0% |
| Adult dependent child (18+, dependent) | 0% | 0% | 0% |
| Adult non-dependent child | 0% | 15% + 2% Medicare = 17% | 30% + 2% Medicare = 32% |
| Estate (via will) | 0% | 15% + 2% Medicare = 17% | 30% + 2% Medicare = 32% |
| Non-resident dependent | 0% | 0% | 0% (but may have foreign tax) |