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, and 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, which is why the headroom shrinks as your salary rises.
Estimate only, general information, not financial advice. Consider advice before changing contributions.