See roughly how much tax you could save — and how much extra lands in your super — by salary sacrificing before-tax income. Concessional contributions are taxed at just 15% going into super, versus your marginal rate on take-home pay.
Employer super guarantee (12%) is counted towards your $32,500 concessional cap. We flag if your sacrifice would exceed the cap.
Estimated tax saved / year
$3,700
Extra into super (after 15% tax)$8,500
Reduction in take-home pay$6,300
Concessional cap room used$22,000 / $32,500
How to read this
The tax saved is the difference between paying your marginal rate on that money and the 15% contributions tax. The extra into super is what actually lands in your account after the 15% is taken out. Because employer SG uses part of your $32,500 cap, your room to sacrifice is the cap minus SG.
Estimates only, using 2026-27 resident tax rates plus 2% Medicare and a 12% super guarantee. Ignores the Low Income Tax Offset, Division 293 (extra 15% tax if income + contributions exceed $250,000) and your specific circumstances. Not personal advice.
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