• australia@payurtaxes.com
  • +61 8989 444 333
Facebook-f Instagram Twitter Vimeo-v
LOGIN / REGISTER

Our Services

If You Need Any Help Contact With Us

+91 705 2101 786

Send Us Message

    Secure Your Future with Smart Super Strategies

    Superannuation is one of the most tax‑effective ways to save for retirement – but the rules around contributions, caps, taxes, and withdrawals are constantly changing. Whether you're just starting your career, running a business, or nearing retirement, making the right super decisions can significantly impact your long‑term wealth.

    At Pay Your Taxes, we help you navigate the complexities of superannuation. From maximizing contribution caps and using carry‑forward rules to planning your transition to retirement and structuring death benefits, we provide clear, practical advice tailored to your goals – so you can enjoy your retirement with confidence.

    How We Work

    We begin by reviewing your current superannuation position – including your total super balance, contribution history, and retirement timeline. Based on this, we identify opportunities to optimise your contributions, reduce tax, and grow your retirement savings.

    We help you make the most of concessional (before‑tax) contributions – including employer Superannuation Guarantee (SG) contributions, salary sacrifice, and personal deductible contributions – up to the annual cap of $30,000 per year. If your total super balance is below $500,000, we also help you access unused concessional cap amounts from the previous five years through the carry‑forward rule, allowing you to contribute more without incurring additional tax.

    • Contribution Optimisation

      We help you maximise concessional and non‑concessional contributions, carry‑forward unused caps, and use the bring‑forward rule – without exceeding your limits.

    • Retirement Income Planning

      From starting an account‑based pension to meeting minimum drawdown requirements, we ensure you get tax‑free income in retirement.

    • Downsizer & Estate Strategies

      We advise on downsizer contributions (up to $300,000 per person from home sales) and tax‑efficient wealth transfer to your beneficiaries.

    For after‑tax savings, we guide you on non‑concessional contributions, up to $120,000 per year. If you're under age 75 and your total super balance is below certain thresholds, we help you use the bring‑forward rule to contribute up to $360,000 in a single year, pulling forward three years of caps. For homeowners aged 55 or older, we also advise on downsizer contributions – up to $300,000 per person from the sale of an eligible main residence – which do not count towards your regular contribution caps and can be made regardless of your total super balance.

    We also assist with transition to retirement strategies, starting account‑based pensions, meeting minimum annual drawdown requirements (based on your age – for example, 4% for those under 65, 5% for ages 65–74, and increasing with age), and managing Division 293 tax if your income and concessional contributions exceed $250,000. And we help you plan for the future with estate planning advice – including binding death benefit nominations and strategies to minimise tax on super death benefits paid to non‑dependant adult children.

    For Individuals

    For individuals, superannuation is about building wealth for retirement in a tax‑effective way. We help you understand how your employer SG contributions are calculated – the rate is 12% of your ordinary time earnings for 2025‑26, with no maximum age limit for eligibility and no minimum monthly income threshold. If your earnings exceed the maximum contribution base of $62,500 per quarter, your employer is not required to pay SG on the excess.

    We help you make the most of concessional contributions by salary sacrificing into super – reducing your taxable income while growing your retirement savings. For example, salary sacrificing $10,000 into super could save you thousands in income tax, with contributions taxed at just 15% inside super instead of your marginal rate. We also guide you on making personal deductible contributions if you're self‑employed or if your employer doesn't offer salary sacrifice.

    For those with surplus after‑tax savings, we advise on non‑concessional contributions. If you're under 75 and your total super balance is below $2 million, you can contribute up to $120,000 per year. If your balance is below $1.76 million, you may be eligible for the bring‑forward rule – contributing up to $360,000 in a single year and making no further after‑tax contributions for the next two years.

    If you're aged 55 or older and selling your home, we help you with downsizer contributions – up to $300,000 per person from the sale proceeds, which does not count towards your contribution caps and can be made regardless of your total super balance. The property must have been owned for at least 10 years, and the contribution must generally be made within 90 days of settlement.

    If you're a high‑income earner, we help you manage Division 293 tax. This is an additional 15% tax on concessional contributions when your income plus concessional contributions exceeds $250,000. We help you plan your contributions to minimise the impact and, where necessary, arrange payment either from your own funds or by releasing money from super.

    For those aged 60 or older drawing an account‑based pension, we help you meet your minimum annual drawdown requirements – 4% for those under 65, 5% for ages 65–74, and increasing with age. Meeting these minimums is essential to keep your pension earnings tax‑free. We also help you understand the transfer balance cap ($2 million from 1 July 2025), which limits the total amount you can transfer into the tax‑free retirement phase.

    If you're a parent of a child born or adopted on or after 1 July 2025, we also help you understand the new superannuation contributions on government‑funded Paid Parental Leave. The ATO will make these payments based on the SG rate, with direct deposits into your super fund starting from July 2026.

    For Businesses

    For business owners, superannuation is both an employer obligation and a personal wealth‑building tool. We help you stay compliant with employer SG requirements, including calculating contributions correctly at 12% of eligible employees' ordinary time earnings, tracking quarterly due dates (28 October, 28 January, 28 April, and 28 July), and paying contributions to the right funds on time to avoid the Superannuation Guarantee Charge – which is not tax‑deductible and can make directors personally liable.

    We help you understand the maximum super contribution base of $62,500 per quarter for 2025‑26, above which you are not required to pay SG. We also assist with clearing houses, choice of fund obligations, and record‑keeping requirements.

    For business owners who are also employees of their own company, we advise on structuring salary sacrifice arrangements to reduce personal taxable income while building super. For self‑employed business owners, we help you claim personal deductible contributions to reduce your taxable income and grow your retirement savings.

    We also help you understand and manage Division 293 tax if your business income pushes you over the $250,000 threshold, and we assist with succession planning – ensuring your super and business assets are structured to pass efficiently to your chosen beneficiaries.

    Key Benefits

    Partnering with us for superannuation delivers real advantages that go beyond just saving for retirement. Here's what you can expect:

    We help you use concessional caps, carry‑forward unused amounts, and the bring‑forward rule to build wealth faster.

    Salary sacrifice and personal deductible contributions reduce your taxable income, with contributions taxed at just 15% inside super.

    We track SG due dates, help you avoid the Superannuation Guarantee Charge, and keep you compliant with all super rules.

    From Division 293 tax and transfer balance caps to downsizer contributions and estate planning, we simplify the complex.

    We help you start an account‑based pension, meet minimum drawdown requirements, and keep your pension earnings tax‑free.

    We help you structure binding death benefit nominations and minimize tax on super death benefits for your loved ones.

    Information

    Menu

    Quick Links

    Our Newsletter

    Sign up to Privitar’s weekly newsletter to get the latest updates.

    We don’t send you any spam

    © 2026 Pay Your Taxes. All Rights Reserved