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How Salary Sacrifice into Super Works

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.

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Salary Sacrifice Guide
How salary sacrificing into super saves tax, contribution caps, and whether it's worth it for you.
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Methodology & sources

This calculator uses current published rates from Australian government and regulator sources. The result is an estimate for general guidance — it does not constitute personal financial advice. For decisions about your circumstances, consult a registered financial adviser, tax agent, or other professional. See editorial standards for how DecisionLab sources and updates its calculator data.