Salary sacrifice
Salary Sacrifice Calculator
See how salary sacrificing into super changes your take-home pay, your super balance and your tax, with a concessional cap check.
$
$
That's $308 a fortnight.
Take-home falls by
$5,440/yr
Super goes up by (after tax)
$6,800/yr
Net gain to you
$1,360/yr
| Without | With | |
|---|---|---|
| Taxable income | $100,000 | $92,000 |
| Income tax + Medicare | $22,520 | $19,960 |
| HELP repayment | $0 | $0 |
| Take-home pay | $77,480 | $72,040 |
| Total into super (after contributions tax) | $10,200 | $17,000 |
2026–27 rates. Money in super is generally locked until you retire after reaching preservation age (60). Salary-sacrificed amounts still count towards HELP repayment income. Division 293 test is simplified. Consider your whole situation or speak to a licensed adviser.
Sources · figures checked 2026-09-24
