- Concessional (pre-tax) — your employer's Super Guarantee plus any salary sacrifice. Taxed at 15% going in (usually less than your marginal rate, which is the benefit), capped per year.
- Non-concessional (after-tax) — money you add from already-taxed income. No further contributions tax, but a separate, higher cap.
Extra concessional contributions are the classic way to build super faster: you divert income that would be taxed at your marginal rate into super, where it's taxed at 15% and then grows in a low-tax environment.
In the planner
Add voluntary contributions in the wizard's 'Extra contributions' step. The model applies the 15% contributions tax, respects the caps, and — because it now tracks working-age take-home pay — shows the income hit of salary-sacrificing, so you see the real trade-off between more super later and less take-home now.