Salary Packaging · Australia 2025–26
Salary Sacrifice Calculator
See exactly how much tax you save by salary sacrificing into super, a novated lease, or FBT-exempt items. Side-by-side pay comparison, concessional cap warning, and a super projection chart to age 67.
Your Details
Employer super rate
SG rate 2025–26 is 11.5%
%
Your current age
Used for super projection to age 67
HELP / HECS debt
Repayment from taxable income
2025–26 Tax Brackets
$0 – $18,2000%
$18,201 – $45,00016%
$45,001 – $135,00030%
$135,001 – $190,00037%
$190,001+45%
+ 2% Medicare levy | + 15% contributions tax on super | Concessional cap: $30,000/yr
Without sacrifice
—
net per fortnight
Gross salary (fn)—
Income tax—
Medicare levy—
Net take-home—
With sacrifice
—
net per fortnight
Gross salary (fn)—
Sacrifice amount—
Taxable income (fn)—
Income tax—
Medicare levy—
Net take-home—
Effective cost of your sacrifice
—
—
What your annual tax saving buys
Add a sacrifice amount above to see what your tax saving could buy.
Note: Estimates use 2025–26 ATO tax rates (including LITO) and are indicative only. Salary sacrifice outcomes depend on your employer's policies, FBT treatment, and personal circumstances. Super projections assume 7% p.a. return, 15% contributions tax, and start from $0 for comparison only. Not financial or tax advice — consult a registered financial adviser.