Contribution breakdown
Employer super$13,200
Salary sacrifice$5,000
Employee after-tax$1,000
Deductible personal$0
Existing concessional$0
Employees and advisers
Salary Sacrifice Calculator
Estimate take-home pay changes, super contributions and tax savings from salary sacrificing into super.
How this estimate works
This calculator compares estimated annual pay before and after salary sacrifice, including concessional contributions tax and estimated income tax savings.
Using 2026-27 assumptions: SG 12%, concessional cap $30,000, Division 293 threshold $250,000.
Employer super
$13,200
Employee contributions
$1,000
Salary sacrifice
$5,000
Total contributions
$19,200
Remaining concessional cap
$11,800
Estimated tax savings
$750
Employer total cost
$123,200
Tax and cap detail
- Annual income
- $110,000
- Ordinary time earnings
- $110,000
- Concessional contributions
- $18,200
- Remaining cap
- $11,800
- Excess concessional estimate
- $0
- Division 293 taxable contributions
- $0
- 5-year contribution projection
- $96,000
Frequency summary
| Item | Annual | Monthly | Fortnightly | Weekly |
|---|---|---|---|---|
| Employer super | $13,200 | $1,100 | $508 | $254 |
| Employee contributions | $1,000 | $83 | $38 | $19 |
| Salary sacrifice | $5,000 | $417 | $192 | $96 |
| Total contributions | $19,200 | $1,600 | $738 | $369 |
| Employer total cost | $123,200 | $10,267 | $4,738 | $2,369 |
Example
An employee on $110,000 who sacrifices $10,000 may reduce taxable salary while increasing concessional super contributions.
ATO guidance
FAQs
Does salary sacrifice count toward the concessional cap?
Yes. Salary sacrifice contributions are concessional contributions and count toward the concessional contributions cap.
Can salary sacrifice reduce SG?
Employers must meet SG obligations under current rules. Employment agreements and payroll setup should be reviewed carefully.
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