Salary Sacrifice to Super Calculator

What this calculator assumes

• The return entered is assumed to apply, unchanged, every year. Investment returns move around and are not guaranteed.
• Figures are not adjusted for inflation and your salary is assumed not to change.
• Personal tax is calculated on FY2026-27 resident rates including the Medicare levy and the low income tax offset. Contributions tax is 15%, doubling to 30% above the Division 293 income threshold. Rates and thresholds are those current as at July 2026 (FY2026-27) and change over time.
• The cash comparison assumes the after-tax cash grows at the same return with no tax on its earnings, which flatters the cash option — inside super, earnings are generally taxed at 15%.
• Salary sacrifice must be agreed with your employer in advance, and sacrificed amounts are preserved until at least age 60. This is an estimate only and is not personal financial advice.
• Rates and thresholds current as at July 2026.

This calculator provides a general estimate only. It is not personal financial, credit or taxation advice and does not take your objectives, financial situation or needs into account. Counting Beans A.F. provides financial advice under AFSL 491754 (D&M Financial Services Pty Ltd) and credit assistance under Credit Representative number 528884. Please read our Financial Services Guide and Credit Guide, and speak with us before acting on any result.