Free Salary Sacrifice Calculator (2026-27)
This salary sacrifice calculator compares your pay with and without extra pre-tax super, so you can see the tax saved and the real cost to your take-home pay.
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Salary sacrifice calculator example: $5,000 at different salaries
| Salary | Tax saved | Take-home drops | Extra in super | Net gain |
|---|---|---|---|---|
| $60,000 | $1,675.00 | $3,325.00 | $4,250.00 | $925.00 |
| $90,000 | $1,600.00 | $3,400.00 | $4,250.00 | $850.00 |
| $120,000 | $1,600.00 | $3,400.00 | $4,250.00 | $850.00 |
| $160,000 | $1,950.00 | $3,050.00 | $4,250.00 | $1,200.00 |
| $200,000 | $2,350.00 | $2,650.00 | $4,250.00 | $1,600.00 |
Things to check before you salary sacrifice
- Your employer must still pay super guarantee on your salary before the sacrifice.
- Super can't usually be accessed until you reach preservation age and retire.
- Salary-sacrificed super counts as reportable super for HECS, the Medicare levy surcharge and some Centrelink tests.
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Frequently asked questions
How does the salary sacrifice calculator work?
It compares your take-home pay with and without the salary sacrifice, using the ATO 2026-27 rates. The money you sacrifice goes into super and is taxed at 15% there instead of at your marginal rate.
Who benefits most from salary sacrifice?
People whose marginal tax rate is above 15%: anyone earning more than $45,000 pays 30% or more plus the 2% Medicare levy, so each sacrificed dollar saves them at least 17 cents of tax overall.
What is the concessional contributions cap?
$32,500 a year in 2026-27. It includes your employer's 12% super guarantee and any salary sacrifice. Contributions above the cap are taxed at your marginal rate.
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