Australia · Planning tools

Super Contribution and Salary Sacrifice Planner

Plan additional super contributions while keeping current cash flow and contribution limits visible. Compare employer contributions, salary sacrifice and supported personal contributions without treating them as the same tax event.

Your details

Your scenario

2026–27 concessional cap $32,500; 12% SG on confirmed eligible earnings. Ordinary resident tax comparison only, both incomes above $35,013. Under-67 scope; no Division 293, excess-cap savings, automatic bring-forward or unverified carryforward. Nonconcessional room must be confirmed independently.

Financial year Age Taxable income before new personal deductions (AUD) Employer contribution Verified SG qualifying earnings (AUD) Confirmed annual employer super (AUD) New annual salary sacrifice (AUD) New deductible personal contributions (AUD) New nonconcessional contributions (AUD) Other concessional contributions this year (AUD) Verified unused carryforward cap (AUD) Total super balance at previous 30 June (AUD) Verified remaining nonconcessional room (AUD) Carryforward eligibility and amount checked (required if used) Personal deduction eligibility / notice of intent checked Resident ordinary-income case, no HELP, MLS, LISTO, other offsets or Division 293; age below 67

Entries stay in this browser. Examples use illustrative confirmations; replace them with your own checked details.

How to use this tool

Enter confirmed employer contributions and the financial year.
Add the contribution you want to compare.
Review take-home impact, estimated net contribution and cap usage.

How the result is calculated

Concessional contribution totals include relevant employer and personal amounts. Tax within super and changes to personal income tax are calculated separately.

Worked example

A hypothetical $10,000 concessional contribution taxed at 15% leaves $8,500 inside super before other adjustments. Your available cap and personal circumstances still matter.

What this result does not cover

Special high-income, age and carryforward rules can change the result. This tool does not recommend a fund or guarantee an investment outcome.

Questions people ask

Does employer super use my concessional cap?

Relevant employer contributions generally form part of that total.

Is after-tax saving treated the same way?

No. Nonconcessional contributions follow a different cap and tax treatment.

Can I use unused caps automatically?

Only if the applicable carryforward conditions are satisfied and the room is verified.

Supported scope and official sources

Source snapshot: 22 October 2026. Independent specialist review is pending. Calculations do not confirm eligibility or replace official decisions.

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