Salary Sacrifice Optimizer.
See how much tax you can save by sacrificing salary into superannuation.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Salary sacrificing into super is one of the most effective ways to reduce your tax bill while boosting your retirement savings. By contributing from your pre-tax income, you pay 15% tax on the contribution instead of your marginal tax rate (which could be up to 45% + Medicare levy).
Real-world scenarios
Middle Income Earner
Alex earns $90,000 and sacrifices $5,000.
Alex pays 32.5% tax + 2% Medicare levy (34.5%) on income, but only 15% on super. Saving: 19.5% on $5,000 = ~$975 tax saved.
High Income Earner
Sam earns $190,000 and sacrifices $10,000.
Sam pays 45% tax + 2% Medicare levy (47%) on top income. Inside super, tax is 15%. Saving: 32% on $10,000 = $3,200 tax saved.