Loading calculator…
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
Salary sacrifice moves money from your bank account into your super. Your take-home pay falls by the amount you sacrifice, less the tax it saves you.
You have $20,300 of cap headroom left after this 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.
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.
It is a trade, not free money: every dollar you sacrifice leaves your take-home pay and lands in super, where you cannot touch it until preservation age. What you gain is the tax difference.
Someone earning $100,000 sits in the 30% bracket, so 32% with the Medicare levy. Every $1,000 sacrificed cuts their income tax and Medicare by $320 and costs $150 in contributions tax inside the fund — a net saving of $170, with the full $1,000 still going into super. Their take-home pay falls by $680.
Rates checked against the ATO — verified 27 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.
This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.
What can move this result
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.