Salary sacrifice calculator

There are two ways you can make contributions to your super - either with pre-tax money (using salary sacrifice) or after tax money. Our 'Salary sacrifice calculator' helps you compare these two methods by showing the net effect on your take home and on your super contributions.

This calculator generates factual information. It does not constitute a recommendation or statement of opinion about salary sacrifice or after-tax contributions and is not intended to be relied upon for the purpose of making a decision in relation to a financial product. We suggest you consider seeking advice from your financial planner before making any financial decisions. The calculator only considers a limited range of issues and does not consider all of your personal circumstances.
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How to use this calculator

1.

Enter financial details in 'Step 1 - Enter details'.

2.

Go to 'Step 2 - Results' to see the comparison between the salary sacrifice and after-tax contributions.

3.

Go to 'Step 3 - Next steps' to find a financial planner.

The calculator is based on a series of assumptions. Details on those assumptions can be found below. You should also check these assumptions carefully as they may not be appropriate to your personal circumstances. Where possible, we have allowed you to change those assumptions within certain limits.



... please wait ...
Step 1 - Enter details
Step 2 - Results
Step 3 - Next steps
Enter details
 
 
 
  Age this financial year      
 
  Gross income $   per   
 
  Amount you wish to contribute to super Percentage of salary    % 
 
    Dollar amount $   per   
 
 
 
Next  
 
 
 
  Annual salary and tax details After-tax
contribution		   Salary sacrifice
contribution		  
 
  Gross salary            
 
  Salary sacrifice contributions            
 
  Taxable income            
 
  PAYG tax            
 
  After-tax contributions            
 
  Take home pay          
 
  Super contributions
 
  Compulsory employer super contributions            
 
  Salary sacrifice contributions            
 
  Contributions tax            
 
  After-tax contributions            
 
  Super co-contributions   0     0  
 
  Net super contributions            
 
  Total take home pay and
net super contributions		            
 
  Further tax may be payable when you leave a superannuation fund.  
 
 
 
 
  Back Next  
 
  Salary sacrificing is just one strategy that can be used to invest with some tax advantages.  
 
   
 
 

Contact us
 
 
 
 
 
 
 
 
  Back Printer friendly version of the results  

Assumptions

Disclaimer

This is general advice only and has been prepared without taking into account your particular objectives, financial circumstances and needs. Before making any decision based on this calculation, you should assess your own circumstances or consult a financial planner. To the extent permitted by law, will not be liable to any party for any loss or damage arising, either directly or indirectly, from the calculator. Further, does not make any representation or warranty about the accuracy of the results.

The results produced are based on a number of assumptions, including the continuation of current tax laws, and are therefore illustrative only. No representation or guarantee is provided regarding the future performance of any superannuation product.

The calculator is provided for your personal use and you may not otherwise copy, re-produce, licence, distribute or use the calculator for other purposes, without the prior written consent of .