Salary sacrifice lets you redirect part of your pre-tax salary into superannuation. Instead of being taxed at your marginal rate (up to 45%), these contributions are taxed at just 15% inside super — a significant saving for most workers.

Concessional Contributions Cap

The total concessional contributions cap for 2025–26 is $30,000 per year. This includes your employer's super guarantee (12% of your salary) plus any salary sacrifice. If your total concessional contributions exceed $30,000, the excess is taxed at your marginal rate plus an interest charge.

About This Calculator

This calculator compares your take-home pay and super balance with and without salary sacrifice. It uses FY 2025–26 tax rates and a 15% super contributions tax. It does not account for Division 293 tax (additional 15% for incomes above $250,000), low-income super tax offset, or carry-forward unused concessional cap amounts. Consult a financial adviser for personalised super strategy.