I just received a big tax bill. Should I pay it from my savings or super?

June 28, 2026 — 5:01am

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I have recently been charged $4500 in Division 293 tax (similar to last year and likely to continue going forward), and I wanted to get your view on whether it is more appropriate to have this paid from the offset account or deducted from my super.

I am 54 and my husband is 58. I have about $600,000 in super at present, and my husband has about $530,000. We have a $750,000 mortgage on a home valued at about $2.5 million, with about $400,000 sitting in the offset account.

My inclination would be to pay it from the offset account, as $4500 left in your super to compound for the next 30 years will almost certainly be worth more than the interest you will save via the offset.

Additionally, you are constrained in how much you can get into super, so you can’t easily replace the $4500 withdrawn, whereas you are unconstrained with how much you can put into the offset........

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