Salary Sacrifice Guides
Plain-English guides to salary sacrifice, tax strategies, and how salary packaging interacts with HECS and super.
Basics
What Is Salary Sacrifice in Australia?
How salary sacrifice works, what you can sacrifice into, the tax benefits, and common pitfalls to avoid.
Tax Strategy
Salary Sacrifice vs After-Tax Contributions
Compare salary sacrificing into super with after-tax contributions. Which strategy saves you more, and when does each make sense?
Interactions
Salary Sacrifice and HECS-HELP Debt
How salary sacrificing affects your HECS repayments, adjusted taxable income, and whether it can reduce what you owe.
Related Calculators
Tax & Income
Income Tax Calculator
Estimate your take-home pay after income tax and Medicare levy.
Tax & Income
HECS-HELP Repayment Calculator
See how much you owe and when your HECS debt will be repaid.
Super & Retirement
Superannuation Calculator
Project your super balance at retirement with salary sacrifice scenarios.