Super and salary packaging
Model how pre-tax salary sacrifice into super may change income tax, take-home pay and super contributions. Use it as a simplified super contribution estimate, not personal financial advice.
Last reviewed: 10 June 2026.
Salary sacrifice lets you give up part of your pre-tax cash salary for an approved benefit, such as extra super contributions. The trade-off is lower take-home cash now in exchange for potential tax savings and higher super contributions.
The calculator treats sacrificed super as reportable for the HELP estimate. That is the point many basic calculators miss: lower taxable income does not automatically mean lower study-loan repayment income.
New taxable income = salary minus sacrificed amount. Tax saving = current tax and Medicare estimate minus the new tax and Medicare estimate. Extra super is shown after a simple 15% concessional contributions tax estimate.
Worked example: sacrificing $200 per week from a $90,000 salary equals $10,400 per year. In 2025-26, the calculator estimates about $3,328 tax saving, take-home pay falling from about $70,412 to about $63,340, and about $8,840 added to super after 15% contributions tax.
This is not financial advice and it does not check concessional caps, Division 293 tax, employer rules, FBT, packaged benefits or personal cash-flow needs.
No. It can reduce tax and increase super, but it also reduces cash flow and may interact with contribution caps, HELP, benefits and personal circumstances.
No. Novated lease salary packaging has FBT and post-tax contribution complexity. This page focuses on salary sacrifice to super.