Free tool · Australia

Salary sacrifice calculator

Sacrifice a slice of your salary into super and it is taxed at 15%, not your marginal rate. See what you save and what extra lands in your super.

Your details

Enter your salary before tax, and how much you want to sacrifice each year. The $30,000 concessional cap includes your employer’s super. Nomo shows how much better off you’d be, the extra into super after 15% tax, and how far your take-home pay drops.

Common questions

What is salary sacrifice?

You agree with your employer to put part of your before tax salary straight into super. That money is taxed at 15% inside super instead of your marginal income tax rate, which for most workers is a lot higher.

Is there a limit?

Yes. The concessional (before tax) contributions cap is $30,000 a year, and that includes your employer’s compulsory super. Go over it and the extra is taxed at your normal rate, so watch the cap.

What is the catch?

The money is locked in super until you retire, and very high earners pay an extra 15% (Division 293). Salary sacrifice suits money you were saving for the long term anyway.

This is a rough estimate on 2025–26 rates and ignores Division 293, super already contributed and other offsets. Super is locked until retirement. Get advice before you set it up.

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