Salary Sacrifice Calculator
See how salary sacrificing into super could save you tax. Your sacrifice is taxed at 15% inside super instead of your marginal rate — the higher your income, the bigger the benefit.
How much you want to sacrifice into super per year
Annual net benefit of salary sacrifice
+$1,700
Total tax saved after 15% super contributions tax
Without Sacrifice
Taxable Income
$100,000
Total Tax + Medicare
$22,788
Take-Home Pay
$77,212
With Sacrifice
Taxable Income
$90,000
Total Tax + Medicare
$19,588
Take-Home Pay
$70,412
Tax Saved
$3,200
Income tax + Medicare reduction
Super Tax on Sacrifice
$1,500
15% of $10,000
Take-Home Reduction
$6,800
Less cash in your pocket
Extra to Super
$8,500
Net amount added to your super balance
Employer SG
$11,500
11.5% of salary
Total Concessional
$21,500
Cap: $30,000
How Salary Sacrifice Works
Salary sacrifice (also called “salary packaging”) is an arrangement where you agree to forgo part of your pre-tax salary in exchange for your employer making additional contributions to your super fund.
The tax benefit: Instead of paying your marginal tax rate (up to 45%), the sacrificed amount is only taxed at 15% inside your super fund. If your marginal rate is 30% or higher, salary sacrifice can result in significant tax savings.
The trade-off: Your take-home pay decreases, but your overall wealth increases because more money ends up in super (after lower tax). You cannot access super until you reach preservation age (typically 60).
Important: Your total concessional (pre-tax) super contributions — employer SG + salary sacrifice — must not exceed $30,000 per year (2024–25), or you'll pay additional tax on the excess.