Salary sacrifice calculator
Exactly how much ends up in your super versus how much comes out of your take-home pay. Handles tax brackets, Medicare, and Division 293 for high earners.
Built on 2025-26 ATO rates · Last reviewed April 2026
Take-home pay reduction
$10,200
Your weekly pay drops by about $196
Net amount into super
$12,750
After 15% contributions tax
Annual benefit
$2,550
Extra dollars gained by sacrificing vs taking as salary
Compounded benefit over 20 years
$101,177
Future value of the annual benefit compounded at 6.7% inside super.
Opens straight into Excel, Numbers or Google Sheets
Where these numbers come from
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Salary sacrifice explained →General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.