Salary sacrifice super calculator
Before-tax super contributions are taxed at just 15% inside super instead of your marginal rate — see what sacrificing saves you in 2026-27, and how close you are to the cap.
Your salary-sacrifice result
The calculation stays in your browser. Email is optional — we'll send this and your launch invite.
How does salary sacrificing to super save tax?
Money you salary sacrifice is a concessional contribution — taxed at a flat 15% going into super instead of your marginal rate on your payslip. So if your marginal rate (with Medicare) is 32%, every dollar sacrificed saves 17c in tax. On a $120,000 salary sacrificing $10,000, that's about $1,700 saved this year, with $8,500 added to super.
Watch the concessional cap
The catch is the $32,500 concessional cap for 2026-27 — and it includes your employer's 12% super guarantee. Your employer SG here is $14,400, so you can sacrifice up to about $18,100 before hitting the cap. Go over and the excess is taxed at your marginal rate (losing the benefit). If your income plus contributions tops $250,000, Division 293 adds another 15%.
Salary sacrifice FAQ
Is salary sacrifice worth it?
For most people on the 30%+ marginal rate, yes — you save the gap between your rate and 15%. The trade-off is the money is locked in super until you can access it (preservation age).
Does the cap include my employer's super?
Yes. The $32,500 cap counts your employer's 12% guarantee and your salary sacrifice together — that's why the headroom shrinks as your salary rises.
Estimate only — general information, not financial advice. Consider advice before changing contributions.