Free Australian money tools
Work through common Australian money questions.
Estimate super contributions, compound interest, borrowing power, capital gains tax, savings goals and loan repayments with bb2.
This is not financial advice. Every figure is an estimate, built from the rates named under it.
Rates as at FY2026‑27Super & salary sacrifice
How much salary should you sacrifice into super?
On top of what your employer pays
Tax saved this year
$1,020
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.
Concessional cap $17,400 of $32,500
$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.
Rates used, FY2026‑27
- 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.