Salary Sacrifice Calculator Australia 2026–27
Compare take-home pay, estimated tax saving and super added before and after salary sacrifice.
Last reviewed 7 October 2026 · Estimate only, not tax advice
Calculate your estimate
2026–27 financial year · Australian dollars · results update automatically
Results update automatically
Salary Sacrifice Calculator
- Estimated tax saving
- $35.20
- Take-home before
- $77,800.00
- Take-home after
- $77,725.20
- Net added to super after 15% tax
- $93.50
- Remaining standard cap
- $17,890.00
- Exceeds cap?
- No
- Assumes a valid prospective salary-sacrifice arrangement and standard 15% contributions tax.
How this calculator works
Compare take-home pay, estimated tax saving and super added before and after salary sacrifice. Inputs are validated, passed to the versioned Australia engine, and recalculated immediately whenever a field changes.
Formula
Tax saving = estimated liability before sacrifice − estimated liability after sacrifice.
Worked example
Contribution tax and the concessional cap are shown separately from income-tax savings.
Edge cases and assumptions
Tax residency, eligibility dates, exemptions, family circumstances and documentation can change the result. The result card calls out material assumptions and unknown components are not silently changed to zero.
Frequently asked questions
Is this salary sacrifice calculator exact?
No. It is a transparent 2026–27 estimate. Your final ATO, payroll or state revenue assessment can include facts not entered here.
Does the calculator store my figures?
No. The deterministic calculation runs in your browser and Taxliva does not require an account.
Which financial year does it use?
It uses 1 July 2026 to 30 June 2027 and rule version AU-2026-27-v1.
Official sources
- Super guarantee rates and thresholds — Australian Taxation Office
- Super contribution caps — Australian Taxation Office
- Resident individual tax rates for 2026–27 — Australian Parliament / ATO
- Standard deduction for work-related expenses — Treasury Laws Amendment (Tax Reform No. 1) Act 2026 — Federal Register of Legislation
Rule review
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