Salary Sacrifice & Packaging Calculator (Super & NFP FBT)
Calculate income tax and Medicare savings by salary sacrificing into superannuation or utilizing public healthcare/charity NFP packaging ($15,900 cap).
Calculate income tax and Medicare savings by salary sacrificing into superannuation or utilizing public healthcare/charity NFP packaging ($15,900 cap).
Calculate income tax and Medicare savings by salary sacrificing into superannuation or utilizing public healthcare/charity NFP packaging ($15,900 cap). Calculate exact, penny-accurate projections compliant with 2026 ATO • Reserve Bank of Australia (RBA) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
You save $3,200.00 in income tax & Medicare levy.
Net Benefit = (Sacrifice Amount × Marginal Rate + 2% Medicare) - (Sacrifice Amount × 15% Super Tax)E.g. A taxpayer in the 32% marginal bracket saves 32% - 15% = 17% in pure tax arbitrage.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual ATO tax rates, superannuation rules, RBA cash rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult an ASIC-licensed financial advisor or CPA prior to executing financial commitments.
You ask your employer to pay a portion of your pre-tax salary into your super fund. These concessional contributions are taxed at only 15% in the fund rather than your marginal income tax rate (up to 47% including Medicare), leaving you with a net tax saving.
The annual concessional contribution cap is $30,000. This includes both employer 12.0% SG contributions and salary sacrifice amounts.
Employees of Public Benevolent Institutions (PBI) can salary package up to $15,900 per FBT year in general living expenses and $2,650 in meal entertainment 100% exempt from Fringe Benefits Tax.
Calculate net take-home pay across weekly, fortnightly, monthly and annual periods with updated Stage 3 tax cuts, Medicare Levy (2%), and 12% Superannuation.
Calculate compulsory HECS/HELP repayments based on your Repayment Income (1% to 10% tiers) and estimate annual inflation indexation impacts.
Estimate your 2% Medicare Levy, low-income threshold phase-in relief, and Medicare Levy Surcharge (MLS 1% to 1.5%) if you do not have private hospital cover.