Super calculator
Salary Sacrifice Super Calculator
See how sacrificing part of your salary into super changes your take-home pay and your tax — and how much extra actually lands in your super after the 15% contributions tax.
Extra in your super each year
$0
Enter your salary and a sacrifice amount.
Take-home pay now$0
Take-home pay after sacrifice$0
Drop in take-home pay$0
Income tax saved$0
15% contributions tax$0
Net into super$0
Estimate only. Assumes you're under preservation age and the sacrifice is a valid concessional contribution. Your employer's super guarantee also counts toward the concessional cap.
This calculator gives a general estimate using 2026–27 Australian resident tax rates plus the Medicare levy, a 12% super guarantee and the $32,500 concessional contributions cap. It ignores other offsets, HELP/HECS debts, and Division 293 tax for high earners. It is not financial or tax advice — confirm your position with the ATO or a licensed adviser.