Salary Sacrifice Calculator
Salary sacrificing into super means you pay 15% contributions tax instead of your marginal rate (up to 45%). The concessional super cap is $30,000 for FY2025-26 (rising to $32,500 from July 2026), including your employer's contributions. This calculator shows your tax saving, the boost to your super, and the reduction in your take-home pay. General information only, not tax advice.
Your Salary
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See your sacrifice savings instantly
Enter your salary on the left — tax saved, super boost and take-home impact appear here.
Common questions
Why can salary sacrifice save tax?
Concessional super contributions are generally taxed at 15% in the fund instead of your marginal tax rate, subject to contribution caps.
Does salary sacrifice reduce take-home pay?
Yes. The calculator shows both the tax saving and the reduction in take-home pay so you can see the trade-off.