Australia · 2026–27 · Super scenario

See what salary sacrificing to super may cost in cash — and add to super.

Compare annual cash take-home before and after redirecting future salary to super. Check estimated employer SG, contributions tax and general concessional cap space.

Salary sacrifice scenario

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Annual base salary before sacrificeAnnual salary before the proposed sacrifice.$ Annual salary sacrifice to superFuture salary redirected to super.$

I have a HELP/STSL debtSalary-sacrifice super is added back for HELP repayment-income purposes. This fast scenario otherwise uses salary-only repayment income.

Medicare includedCash take-home uses the standard individual 2026–27 Medicare levy model.

Taxable salary after sacrifice$0

Take-home before sacrifice$0

Take-home after sacrifice$0

Estimated cash take-home reduction$0

Income tax + Medicare saving$0

Net salary sacrifice added after 15% contributions tax$0

15% tax on salary-sacrifice contribution$0

Estimated compulsory employer SG$0

Total concessional contributions$0

General concessional cap remaining$0

HELP before$0

HELP after$0

2026–27 general concessional cap$32,500

Important assumptions: employer SG is estimated at 12% of the salary entered, capped at the 2026–27 annual maximum contribution base of $270,830. The cap check assumes no other concessional contributions and does not calculate carry-forward cap eligibility, Division 293 tax, fund fees or investment returns. Copying the result stays on your device.

What changes

Taxable salary can fall while HELP repayment income does not

Valid future salary sacrifice can reduce taxable salary. However reportable super contributions are added back for HELP/STSL repayment income, so the HELP result may remain unchanged even while income tax and Medicare fall.

Build detailed HELP repayment income →

Cap check

Employer SG and salary sacrifice share cap space

The general concessional contributions cap is $32,500 for 2026–27. This tool flags a simplified excess before considering any carry-forward eligibility.