Enter your salary before super. Add salary sacrifice to check your before-tax contributions against the cap.
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Employers must pay 12% of your ordinary time earnings into super. The rate reached 12% on 1 July 2025 and stays there for 2026–27.
Employer super, salary sacrifice and personal contributions you claim a deduction for all share one concessional cap: $30,000 in 2025–26, rising to $32,500 from 1 July 2026. Inside the cap they're taxed at 15% in the fund, usually less than your marginal rate.
A package of $112,000 including super is a $100,000 salary plus $12,000 super ($112,000 ÷ 1.12). Compare offers on the same basis.
Not modelled: the maximum contribution base, carry-forward of unused cap (balances under $500,000), and Division 293 tax above $250,000. General information, not advice.
12% of ordinary time earnings, the same rate as 2025–26.
$32,500 from 1 July 2026, up from $30,000 in 2025–26. Employer super, salary sacrifice and deducted personal contributions all count towards it.