Super Contribution Calculator 2026–27: Salary Sacrifice Tax Savings
See what salary sacrifice into super saves in 2026–27: income tax and Medicare saved, the 15% contributions tax, the $32,500 cap and Division 293.
2026–27: super guarantee 12%, concessional cap $32,500 (unused cap from the last 5 years can be carried forward with a balance under $500,000), non-concessional cap $130,000. Contributions are taxed 15% in the fund. Employer super may be limited by the maximum super contribution base.
What it does
Salary sacrifice moves part of your pre-tax salary into super. You pay no income tax or Medicare on it, and the fund pays only 15% contributions tax, so it pays off whenever your marginal rate is higher than 15%. The calculator shows the saving, the cap and what reaches your fund.
How to use it
- Type your salary for the year before super.
- Type how much you salary sacrifice and any personal contributions you will claim as a deduction.
- See the net tax benefit, the cap left and the fall in take-home pay.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much tax does salary sacrifice into super save?
Your marginal rate minus the 15% contributions tax. On $100,000, sacrificing $10,000 saves $3,200 of income tax and Medicare and the fund pays $1,500, so you are $1,700 ahead and take-home pay falls only $6,800.
What is the concessional contributions cap for 2026–27?
$32,500, up from $30,000, including the 12% super guarantee. On $100,000 the guarantee is $12,000, so up to $20,500 more can go in.
Who pays Division 293 tax?
People whose income plus concessional contributions is over $250,000 pay a further 15% on the contributions above that line, so that part of their super is taxed at 30%.
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