See how much income tax you save by adding extra (concessional) contributions to your super. Uses 2025–26 Australian resident tax rates, the 12% Super Guarantee and the $30,000 cap.
This salary sacrifice calculator estimates the income tax you save by adding extra concessional contributions to your superannuation, using 2025–26 Australian resident tax rates, the 12% Super Guarantee and the $30,000 concessional contributions cap. It shows how the same money can land in your super after just 15% tax instead of your higher marginal rate.
Concessional contributions — your employer's Super Guarantee plus any salary sacrifice or personal deductible contributions — are taxed at 15% in your fund rather than at your marginal rate. The total is capped at $30,000 a year for 2025–26. Amounts over the cap are added back to your taxable income, taxed at your marginal rate, and may attract an excess-contributions charge. If your income plus concessional contributions is over $250,000, an extra 15% (Division 293) tax can apply. Super is generally locked away until your preservation age (around 60).
This is general information only and not financial or tax advice. Your actual result depends on your full income, other contributions, HECS/HELP debts and fund. Check your situation with your super fund or a registered tax agent.
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