Salary Sacrifice Calculator Australia
See how much tax you save by salary sacrificing into super, and check your concessional contribution cap ($32,500 for 2026-27) and remaining cap space.
Salary Sacrifice Calculator Australia
See how much tax you save by salary sacrificing into super, and check you stay under the concessional contribution cap.
• Salary sacrifice taxed at 15%: $1,500.00
• Concessional contributions are taxed at 15% inside super instead of your marginal rate. The concessional cap for 2026-27 is $32,500 (was $30,000 in 2025-26).
What is Salary Sacrifice?
Salary sacrifice is an arrangement where you give up part of your before-tax salary and have it paid into super instead. The contribution is taxed at 15% inside the fund rather than at your marginal rate, so you pay less tax now and grow your retirement savings faster.
Concessional Contribution Cap 2026-27
The concessional (before-tax) cap is $32,500 for 2026-27 (it was $30,000 in 2025-26). It includes your employer SG contributions (12%), salary sacrifice and personal deductible contributions. Going over the cap attracts extra tax, so it is important to monitor your total.
How Much Tax You Save
Salary sacrificed contributions are taxed at 15% inside super. Your tax saving is roughly your marginal rate minus 15%, applied to the sacrificed amount. For example, at a 37% marginal rate, sacrificing $10,000 saves about $2,200 a year — while adding the full $10,000 to your super.
High Earners and Division 293
If your income plus concessional contributions exceeds $250,000, Division 293 adds another 15% tax on the contributions, bringing the super tax rate to 30%. The calculator flags when this may apply.
Frequently Asked Questions
What is salary sacrifice?
Salary sacrifice is an agreement to redirect part of your before-tax salary into super. The money is taxed at 15% inside the fund instead of your marginal rate.
What is the super contribution cap for 2026-27?
The concessional (before-tax) cap is $32,500 for 2026-27, up from $30,000 in 2025-26. It includes employer SG, salary sacrifice and personal deductible contributions.
Is salary sacrifice worth it?
Yes for most people — if your marginal tax rate is above 15%, you save the difference. At 37%, sacrificing $10,000 saves about $2,200 in tax.
Does salary sacrifice reduce take-home pay?
It reduces your gross (and therefore taxable) salary, so tax withheld and take-home pay are lower — but the sacrificed amount goes into your super instead of being taxed away.
What is the SG rate?
The super guarantee rate is 12% from 1 July 2025. Employers must pay it on your ordinary time earnings, on top of your salary.
What happens if I exceed the concessional cap?
Excess concessional contributions are taxed at your marginal rate (instead of 15%) plus an interest charge. Keeping total concessional contributions under the cap avoids this.