Australian planning estimate
Australian salary-sacrifice calculator
Estimate the immediate take-home-pay effect of sacrificing part of your salary into superannuation.
This models concessional super contributions at 15% contributions tax. Check current contribution caps and your employer’s arrangement before acting.
Estimated monthly fall in take-home pay
$566.67
For a $10,000.00 annual sacrifice
- Salary sacrificed to super
- $10,000.00
- Estimated contributions tax (15%)
- −$1,500.00
- Estimated amount reaching super
- $8,500.00
- Estimated annual take-home reduction
- −$6,800.00
Important: this is not personal financial advice. It excludes HELP/HECS, Division 293 tax, contribution caps, Medicare adjustments, salary packaging rules and fund fees.
How this salary-sacrifice estimate works
The calculator reduces taxable salary by the sacrificed amount, estimates the resulting income-tax and Medicare levy saving, then shows an indicative 15% tax on the contribution paid into super.