Live calculator
Salary Sacrifice Calculator Australia
Estimate how a simple annual salary sacrifice or pre-tax deduction may change Australian take-home pay.
Salary sacrifice calculator
Estimate the cashflow impact of salary sacrifice
Take-home without sacrifice
$84,280
Take-home with sacrifice
$77,480
Cash take-home reduction
$6,800
Tax/repayment saving
$3,200
Cash take-home comparison
How to use this page
Salary sacrifice can reduce taxable income, but the details depend on the arrangement and contribution caps.
Enter salary and annual sacrifice amount to compare take-home pay before and after the deduction.
What this estimate includes
Australian financial-year tax brackets
Standard Medicare levy assumption
HELP repayment toggle
Employer super shown separately
Annual, monthly, fortnightly and weekly views
Plain-English assumptions and trace
Frequently asked questions
Does this check concessional contribution caps?
No. The calculator estimates a simple pre-tax deduction only and does not validate super contribution caps.
Is this salary packaging advice?
No. It is a general calculator foundation and should not be treated as personal advice.