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Calculate tax savings from salary sacrificing to super
See how much you save and how it affects your take-home pay and super balance
Amount you want to salary sacrifice to super from your pre-tax salary
Add these details to see the long-term impact on your super balance
Compare take-home pay and tax with and without salary sacrifice
Note: Salary sacrificing reduces your taxable income, which means you pay less tax. The money goes into your super where it's taxed at 15% instead of your marginal tax rate. This projection assumes 7% annual investment growth for retirement balance calculations.
Salary sacrifice to super means having part of your pre-tax salary paid directly into your super fund instead of your bank account. These contributions are taxed at 15% in the fund rather than your marginal tax rate.
For someone earning $100,000 (37% marginal rate), every $1,000 sacrificed saves $220 in tax. The money goes into super where it compounds over time for retirement.
ATO rates checked against official sources — verified 3 July 2026
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
Rates and thresholds last updated for the 2026–27 financial year.