Tax Savings Estimator.
How much tax could you be saving?
Your numbers
Potential tax difference per year
Taxed entirely as personal income you'd pay about $51,538. The best structure modelled here gets that to $45,000. Structure, timing and how much you draw all matter.
Marginal rate now
37+2%
Effective rate now
28.6%
Best effective rate
25.0%
Over 5 years
$32,690
Annual tax under each strategy
How this is calculated＋
Personal tax uses 2025–26 Australian resident rates: nil to $18,200, then 16%, 30% (from $45,001), 37% (from $135,001) and 45% (from $190,001), plus the 2% Medicare levy if selected.
- Company strategy assumes profits are retained in a base-rate-entity company at 25%. Money you later pay out as dividends is taxed again in your hands (with franking credits) - retention is a deferral as much as a saving.
- Blended strategy pays you a salary up to the top of the 30% bracket ($135,000) and retains the remainder at 25% - a common owner structure.
- Super strategy models concessional contributions up to the $$30,000 cap taxed at 15% in the fund instead of your marginal rate.
- Trusts primarily help by distributing income across family members on lower rates - that depends on your family situation, so we haven't guessed it here. It's often the biggest lever of all.
This is the rough shape of it. A LINK Advisor models your actual structure, drawings and family situation.
Talk to Advisors →Indicative only - excludes offsets, deductions, Division 293, payroll tax, franking on eventual dividends and the Medicare levy shade-in. Not tax advice; the right structure depends on your circumstances.