See how much you save by salary sacrificing into super vs taking the cash. Compares your marginal tax rate against the 15% super rate, including Division 293.
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Salary sacrificing redirects part of your pre-tax salary into super, where it's taxed at just 15% instead of your marginal income-tax rate. This tool compares taking an amount as cash vs sacrificing it.
Example: $95,000 salary, sacrifice $10,000
On a $95,000 salary, sacrificing $10,000 saves about $3,200 in income tax. After the 15% super tax ($1,500), you're roughly $1,700 better off than taking the cash — because the money moves from a 32% marginal rate (incl. Medicare) to 15%.
Watch your concessional cap
Salary sacrifice counts toward your $30,000 concessional cap along with employer SG. Exceeding it means the excess is taxed at your marginal rate. Use the concessional cap calculator to check your headroom.
Frequently asked questions
Is salary sacrifice worth it?
If your marginal tax rate is above 15% it almost always helps. On $95,000, sacrificing $10,000 leaves you about $1,700 ahead versus taking the cash.
How much can I salary sacrifice?
Concessional contributions (employer SG + salary sacrifice + personal deductible) are capped at $30,000 in 2025–26, with possible carry-forward of unused cap from prior years.
Does salary sacrifice reduce my take-home pay?
Yes — your take-home falls by the sacrificed amount minus the income tax you save, but more goes into super, leaving you better off overall if your marginal rate exceeds 15%.