Salary sacrifice into super calculator

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How it works

Assumptions (2026-27)

Resident tax rates: 0% to $18,200; 15% to $45,000; 30% to $135,000; 37% to $190,000; 45% above. Low income tax offset included. Medicare levy 2% with the low-income reduction for singles (no levy to $28,011, shading in to $35,013 — latest ATO-published thresholds). Super guarantee 12%. Concessional cap $30,000. Contributions tax 15% (Division 293 adds 15% if income + contributions exceed $250,000 — not modelled). FHSS: voluntary contributions can later be released for a first home deposit under the First Home Super Saver Scheme.

Frequently asked questions
What is the concessional contributions cap?
$30,000 per year, including employer super guarantee and salary sacrifice.
Can salary sacrifice help me buy a first home?
Yes — via the First Home Super Saver Scheme you can have voluntary contributions of up to $15,000 per financial year and $50,000 in total counted, then withdraw 85% of concessional (salary sacrifice) amounts and 100% of non-concessional amounts, plus associated earnings.
Sources & rates

Rates checked 25 October 2026.

General information only — not financial, tax or legal advice. Results are estimates based on published government rates and simplified assumptions, and do not consider your personal circumstances. Always confirm with the State Revenue Office, the ATO, your lender, a licensed mortgage broker or a qualified adviser before making decisions.