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Super & salary sacrifice
How much salary should you sacrifice into super?
On top of what your employer pays
Sacrificing this much saves you $1,020 in tax this year.
It puts $14,790 into super after contributions tax, and costs $4,080 of take-home pay. Sacrificed dollars are taxed at 15% in the fund instead of 32% in your hand.
$15,100 of cap unused
| Per year | With sacrifice | Without |
|---|---|---|
| Gross income | $95,000 | $95,000 |
| Less salary sacrifice | -$6,000 | $0 |
| Less income tax + Medicare | -$19,000 | -$20,920 |
| Take-home pay | $70,000 | $74,080 |
| Employer contributions | $11,400 | $11,400 |
| Salary sacrifice into super | $6,000 | $0 |
| Less contributions tax (15%) | -$2,610 | -$1,710 |
| Net into super | $14,790 | $9,690 |
Estimates only, FY2026‑27 rates. This is not financial advice.
- Super guarantee is 12% of ordinary time earnings, up to a maximum contribution base of $270,830 a quarter
- The concessional contributions cap is $32,500 a year, before any carry-forward of unused cap
- Contributions into super are taxed at 15%, with Division 293 adding 15% above $250,000
- Marginal rates include the 2% Medicare levy and the low income tax offset, and ignore HELP and private health surcharges
- Contributions over the cap are shown but not taxed here. The excess is assessed at your marginal rate with a 15% offset, which needs a full return
bb2 is not a licensed adviser and these tools do not take your circumstances into account. Check anything that matters against the ATO or a licensed adviser before you act on it.