Salary Sacrifice Calculator
See how salary sacrificing into super lowers your income tax, what actually lands in your fund after contributions tax, and how the balance grows over time.
Your results
Division 293 tax is not modelled, and additional tax can apply to high income earners. Concessional contribution caps also apply and are not checked by this calculator.
Calculation breakdown
- Tax saving
- $19,020.00 − $16,020.00 = $3,000.00
- Net to super
- $10,000.00 − 15% contributions tax = $8,500.00
- Projected value
- Net contribution compounded at 7% for 10 years = $117,439.81
Assumptions
- Division 293 tax and the Medicare levy surcharge are not modelled.
- Concessional contribution caps are not checked against your contributions.
- Investment returns are assumed constant and contributions are made as a single annual amount.
- Employer super guarantee is calculated on gross salary before sacrifice.
How this calculator works
Salary sacrificed super is taxed at 15% inside your fund instead of your marginal rate. This tool compares income tax before and after sacrificing, shows the real cash cost to your take-home pay and projects the invested value.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
How much of my sacrifice reaches my super?
85% after the standard 15% concessional contributions tax, unless your fund charges other fees.
What about Division 293 tax?
It is not modelled. High income earners may pay an extra 15% on concessional contributions, so check your own position.
Is there a contribution cap?
Yes — concessional contributions, including employer super, are capped each year. Exceeding the cap can create extra tax.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.