Finance

Australia Super Salary Sacrifice Calculator

Free Australia super salary sacrifice calculator — Super Guarantee 12% on top, concessional cap $32,500, and the estimated tax saving from sacrificing salary into super at 15% contributions tax instead of your marginal rate. Estimate only — confirm with your fund and the ATO.

Short answer: Australia Super Salary Sacrifice Calculator — Tax saved, take-home change and cap room from sacrificing into super. Free Australia super salary sacrifice calculator — Super Guarantee 12% on top, concessional cap $32,500, and the estimated tax saving from sacrificing salary into super at 15% contributions tax instead of your marginal rate. Estimate only — confirm with your fund and the ATO. It answers “australia super salary sacrifice calculator concessional cap”. Who it is for: Employees in Australia considering salary sacrifice into super; Workers near the top of a tax bracket weighing a super contribution; Couples planning retirement contributions together. It runs entirely in your browser — no sign-up, no account, no email and no upload — and every result can be exported as a dated PDF report.

✔ Price: free, unlimited use, no rate limits
✔ Sign-up: not required
✔ Privacy: all math runs client-side, nothing is uploaded
✔ Export: one-click PDF report (2026 rates)

Gross annual salary (AUD $)Extra salary sacrifice / year (AUD $)

2026–27 figures used: Super Guarantee 12% on top of salary; concessional contributions cap $32,500; contributions tax 15% inside super. Marginal rate is estimated from the ATO resident brackets plus the 2% Medicare levy.

Employer super (SG)

A$14,400.00

12% on top

Total concessional contributions

A$24,400.00

A$8,100.00 cap room left

Estimated tax saved

A$1,700.00

Marginal 32% vs 15% in super

Net effect

A$8,500.00

Into super (after 15% tax) · take-home falls ≈ A$8,300.00

Estimate only. Excludes Division 293 tax (extra 15% once income plus concessional contributions exceed $250,000), carry-forward unused cap, and any salary-sacrifice arrangement limits in your contract. Confirm with your fund and the ATO.

Estimate only — not tax, legal or immigration advice. Rates change; confirm the current figure with the official authority (CRA, Revenu Quebec, ATO, your state revenue office, IRCC or IRD) before you rely on it.

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Who is this tool for?

✔ Employees in Australia considering salary sacrifice into super
✔ Workers near the top of a tax bracket weighing a super contribution
✔ Couples planning retirement contributions together
✔ Anyone checking whether they have concessional cap room left
✔ Employees whose employer already pays super on top of salary

How to use Australia Super Salary Sacrifice Calculator

Enter your gross annual salary.
Enter the extra amount you would salary-sacrifice into super each year.
Read employer super, total concessional contributions and remaining cap room.
Compare the estimated tax saved with the take-home pay reduction.

Frequently asked questions

Who is this salary sacrifice calculator for?

Employees who can sacrifice part of their salary into super and want to see, in dollars, the trade-off: less take-home pay now, more in super, and an estimated tax saving from the lower 15% contributions tax rate.

Who should not rely on this calculator alone?

High earners near the $250,000 Division 293 threshold, people with carry-forward unused cap, and anyone whose contract limits salary sacrifice. Those cases need fund and ATO advice, not a simplified estimate.

What is the concessional contributions cap?

In 2026–27 the concessional cap is $32,500 per year. It includes your employer's Super Guarantee contributions plus any salary sacrifice and personal deductible contributions. Exceeding it triggers extra tax.

How does salary sacrifice save tax?

Sacrificed salary is taxed at 15% inside super instead of your marginal income-tax rate plus Medicare levy. If your marginal rate is 32% (30% bracket plus 2% levy), each sacrificed dollar saves roughly 17c in tax — but you also take home less cash now.

What is the Super Guarantee rate?

12% of ordinary time earnings, paid by your employer on top of your salary in 2026–27 — unless your contract is written as a total package that includes super.

Does salary sacrifice reduce my take-home pay by the full amount?

No — the tax saving offsets part of it. If you sacrifice $10,000 at a 32% marginal rate, your take-home pay falls by roughly $8,300 while $8,500 lands in super after the 15% contributions tax.

What is Division 293 tax?

An extra 15% tax on concessional contributions once your income plus those contributions exceed $250,000. This tool excludes Division 293 — if you are near that threshold, get advice before sacrificing more.

Australia super salary sacrifice calculator concessional cap?

Use the Australia Super Salary Sacrifice Calculator above: Tax saved, take-home change and cap room from sacrificing into super. Free Australia super salary sacrifice calculator — Super Guarantee 12% on top, concessional cap $32,500, and the estimated tax saving from sacrificing salary into super at 15% contributions tax instead of your marginal rate. Estimate only — confirm with your fund and the ATO. Estimate only — not tax, legal or immigration advice. Rates change; confirm the current figure with the official authority (CRA, Revenu Quebec, ATO, your state revenue office, IRCC or IRD) before you rely on it.