Salary Sacrifice Calculator
Find out how much you'll save by salary sacrificing into super. Real-time calculations based on official ATO tax rates.
Learn how salary sacrifice works in 2025–26 ▾
Salary sacrifice (also called salary packaging) is an arrangement where you ask your employer to pay part of your pre-tax salary directly into your superannuation fund. Because these contributions are taxed at just 15% in the super fund, rather than your marginal tax rate (which can be up to 45%), you end up paying less tax overall.
For the 2025–26 financial year, the concessional contributions cap is $30,000. This cap includes both your employer's Superannuation Guarantee (SG) contributions (12% of your salary) and any salary sacrifice amounts. If your total exceeds $30,000, the excess is added to your assessable income and taxed at your marginal rate.
It's important to note that salary sacrifice is a reportable employer super contribution. While it reduces your taxable income, it gets added back when calculating your HECS-HELP repayment income, means-tested government benefits, and Division 293 tax liability.
Salary Sacrifice Savings by Salary — 2025-26
Tax savings when salary sacrificing $10,000 into super. The benefit depends on your marginal tax rate — higher earners save more per dollar sacrificed.
$60,000
- Annual tax saving
- $3,350
- Monthly saving
- $279
- Effective tax rate
- 10.9%
$80,000
- Annual tax saving
- $3,200
- Monthly saving
- $267
- Effective tax rate
- 16.5%
$100,000
- Annual tax saving
- $3,200
- Monthly saving
- $267
- Effective tax rate
- 19.6%
$120,000
- Annual tax saving
- $3,200
- Monthly saving
- $267
- Effective tax rate
- 21.7%
$150,000
- Annual tax saving
- $3,900
- Monthly saving
- $325
- Effective tax rate
- 24.0%
$200,000
- Annual tax saving
- $4,700
- Monthly saving
- $392
- Effective tax rate
- 27.7%
Based on ATO 2025-26 tax rates with $10,000 salary sacrifice. Use the calculator above for a personalised figure with your actual sacrifice amount.
How Salary Sacrifice Works
Arrange with Employer
Set up a salary sacrifice agreement to redirect part of your pre-tax salary into super.
Lower Tax on Contributions
Instead of your marginal rate (up to 45%), the sacrificed amount is taxed at just 15% in super.
Grow Your Super Faster
More money goes into super, compounding over time to build a larger retirement balance.