Salary Sacrifice Calculator
Shows how salary sacrificing into super changes your take-home pay and how much extra ends up in your fund.
Your result
Estimate only. Results update as you type.
How this calculator works
Sacrificed pay is taxed at 15% inside super instead of your marginal rate. The gain is (sacrifice × 0.85) − (the drop in your after-tax pay).
Worth knowing
Keep total concessional contributions, including your employer’s super guarantee, under the annual cap or the excess is taxed at your marginal rate.
Guides for this calculator
- Using a Salary Sacrifice Calculator in Australia: A Step-by-Step Guide
- Common Salary Sacrifice Mistakes (and a Better Way)
Questions
- Are these results exact?
- They are estimates based on standard resident rates. Your actual tax depends on your full circumstances, offsets and any private health insurance position. The ATO’s own tools or a registered tax agent give a definitive answer.
- Do the calculators work for non-residents?
- No. Non-residents have different rates, no tax-free threshold and no Medicare levy. These calculators assume you are an Australian resident for tax purposes.
- When do tax rates change?
- Rates usually change on 1 July, the start of the Australian financial year. Check the ATO website each July for the current figures.
This calculator gives general estimates using published Australian rates and formulas. It doesn’t consider your personal circumstances. Check current figures with the ATO, your state government or a qualified professional before making decisions. See our disclaimer.