Salary Sacrifice Calculator

Calculate how much tax you save by salary sacrificing into super, a novated lease or FBT-exempt items, with a side-by-side pay comparison, a concessional cap check and a super projection to age 67.

Uses 2026-27 rates. SG is 12%. Medicare is modelled at a flat 2%, without reductions or exemptions. HELP uses taxable income only, without reportable super or fringe-benefit adjustments. Sources: ATO, Australian resident tax rates, Oct 2026; ATO, Super guarantee, Oct 2026; ATO, Low income tax offset, Oct 2026; ATO, Medicare levy, Oct 2026; ATO, Contributions caps, Oct 2026; ATO, Study loan repayment rates, Oct 2026; ATO, Concessional contributions, Oct 2026.

Your details

Gross annual salary $90k

$40k$300k

Extra sacrifice per fortnight $500/fn

$0$2,000

Sacrifice type

Employer super rate SG rate 2026-27 is 12%

Your current age Used for super projection to age 67

HELP / HECS debt Repayment from taxable income

2026-27 tax brackets

$0 to $18,2000%

$18,201 to $45,00015%

$45,001 to $135,00030%

$135,001 to $190,00037%

$190,001+45%

+ 2% Medicare levy | + 15% contributions tax on super | Concessional cap: $32,500/yr

Without sacrifice

net per fortnight

Gross salary (fn)-

Income tax-

Medicare levy-

HELP repayment-

Net take-home-

With sacrifice

net per fortnight

Gross salary (fn)-

Sacrifice amount-

Taxable income (fn)-

Income tax-

Medicare levy-

HELP repayment-

Net take-home-

Effective cost of your sacrifice

Note: Estimates use 2026-27 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.