Useful before precise
Our tools help Australians estimate how salary sacrificing to super may affect take-home pay, income tax, contributions tax, contribution caps, and retirement savings.
About
Who publishes Salary Sacrifice Calculator, what it provides, and how its work is maintained.
Last updated: 28 July 2026
Who publishes this website
Salary Sacrifice Calculator is published and maintained by MoneyToolkit, an independent Australian publisher of practical financial calculators and plain-English guides.
MoneyToolkit is responsible for the calculators, editorial content, updates, and corrections on this site. We use a publisher identity so the work is accountable without requiring an individual contributor to make their personal identity public.
We are not affiliated with the ATO, an employer, payroll provider, super fund, or financial adviser. Advertising does not influence results or editorial conclusions.
What we build
The site combines a salary-sacrifice calculator with common salary scenarios and guides comparing before-tax contributions, after-tax contributions, and HELP interactions.
They are designed for employees comparing general contribution scenarios before checking payroll arrangements and personal advice.
Sources you can inspect
We prioritise ATO tax and super guidance, Commonwealth legislation, official contribution caps, Super Guarantee rates, and HELP repayment rules.
Reviewed when inputs change
We prioritise review when income-tax rates, super contribution rules, caps, HELP rules, official guidance, or calculator logic changes.
Private by design
Calculator inputs are processed in your browser. You can use the tools without creating an account or sending the values you enter to us.
How to assess our work
Read the calculator methodology for the model, assumptions, and sources, and the editorial policy for our sourcing, review, and independence standards. If something appears wrong or out of date, the corrections policy explains how to report it.
Important limitation
The suitability and outcome of salary sacrifice depend on employment arrangements, total contributions, income, Division 293 tax, HELP, benefits, fund rules, and personal goals. Confirm arrangements with payroll and seek advice where appropriate.