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How much should you salary sacrifice? Optimise for caps, tax and Division 293
Get a recommended concessional contribution amount and see your tax saving
Used for carry-forward eligibility (TSB < $500k)
Leave 0 to use employer SG only
From ATO online services if eligible
Recommended concessional contribution and tax impact
Salary sacrificing $18,000 uses your cap headroom and saves you $6,760 in tax (after Division 293 if applicable).
Marginal tax rate: 32.0%
This tool recommends how much extra to salary sacrifice to super, considering the concessional cap ($30,000), your employer SG, and Division 293 tax for high earners.
It shows your cap headroom and the net tax benefit after any Division 293.
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.