Salary Package Calculator
Take-home from total package · incl./excl. super
Super Rate
Your employer's Super Guarantee contribution is separate from any salary sacrifice below. Leave blank for the standard 12%, or enter your rate if it differs.
Package includes Super
Total package including superannuation
I have a HECS / HELP Debt
Include repayment in calculation
Salary Sacrifice to Super
Pre-tax super contribution
Weekly
Before Tax
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After Tax
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Fortnightly
Before Tax
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After Tax
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Monthly *
Before Tax
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After Tax
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Annually
Before Tax
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After Tax
—
* Monthly shown for reference only
Enter your salary to see your packaged take-home pay
5-Year Carry-Forward
Total super balance under $500,000?
As at 30 June last year
If your total super balance was $500,000 or more on 30 June of the previous financial year, you cannot carry forward unused cap amounts.
NFP Salary Packaging
Do you work for a registered charity, PBI, or hospital?
PBI (Public Benevolent Institution), health charity, hospital or ambulance service
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Guides
Why pre-tax deductions reduce your tax
Salary packaging moves part of your pay out before income tax is calculated. Your taxable income falls, so the tax on it falls too, and the packaged amount pays for the benefit at its pre-tax value. The saving is largest when the packaged dollars would otherwise have been taxed at your highest marginal rate.
Why there are caps
The concessions are limited by law. Salary sacrifice to super counts towards the concessional contributions cap, and packaging with a not-for-profit or hospital employer has its own annual limits. This calculator tracks the relevant cap as you type, so you can see how much headroom is left before extra amounts lose the concession.
Package including or excluding super
Job offers quote packages both ways. Use the include or exclude super switch so the calculator splits your package the same way your offer does before working out take-home pay.
The decision this tab will not make
The calculator shows outcomes, not suitability. It can tell you what a package does to tax and take-home; it cannot tell you whether your employer offers packaging at all, and it has no field for the administration fees some packaging providers charge, which come out of the same benefit the numbers here show.
Money sacrificed into super is also locked away until retirement for most purposes, and no line on this screen can price what that lock is worth to you. Packaging a car has its own arithmetic entirely; the novated lease tab exists because that arithmetic would not fit here.