Salary Sacrifice Calculator
Calculate the tax savings from salary sacrificing into super. Compare your take-home pay with and without salary sacrifice.
Disclaimer
This calculator provides estimates for general information purposes only. Results should not be relied upon as professional financial, tax, or legal advice. Tax rates and thresholds are based on publicly available ATO data and may change. Always consult a qualified tax agent or financial adviser for advice specific to your circumstances.
Frequently Asked Questions
How does salary sacrifice into super work?
What is the salary sacrifice cap?
What is Salary Sacrifice?
Salary sacrifice (also called salary packaging) is an arrangement where you agree to receive less pre-tax salary in exchange for your employer contributing the difference to your super fund.
How this calculator works
Super contributions are taxed at 15% (the concessional rate) instead of your marginal tax rate. If your marginal rate is 37%, you save 22 cents in tax on every dollar sacrificed. This calculator shows the exact dollar benefit by computing your take-home pay and super both with and without salary sacrifice. The stacked bar chart compares the two scenarios side by side. Note: total concessional contributions (employer SG + salary sacrifice) are capped at $30,000 per year in 2025-26.
All calculations are performed in your browser — your data never leaves your device. Results are for general guidance only and should not be considered professional financial advice.
Built and maintained by Konstantin Iakovlev. Data sourced from the ATO and official Australian government sources.