Salary Sacrifice Calculator

Compare salary sacrifice options and see your tax savings.

Compare salary packaging options for 2025–2026. Choose super, novated lease, healthcare, or work equipment to see how much tax you can save.

Type	Who it's for	Cap / Limit	Key benefit
Super	Any employee	$30,000/year concessional cap	15% super tax vs marginal rate
Novated Lease	Any employee	No cap (FBT applies to ICE; EVs exempt)	Pre-tax car + running costs + GST savings
Healthcare	Hospital / NFP / ambulance	$9,010 living + $2,650 meals FBT-free	FBT-free living expenses
Work Equipment	Any employee	FBT-exempt if primarily for work	30\u201345% effective discount on equipment

Retirement

Salary Sacrifice to Super

Boost your retirement savings and reduce your income tax by contributing pre-tax salary to superannuation.

15% super tax vs your marginal rate

EV & Cars

Novated Lease Calculator

Salary package a car and all running costs. Electric vehicles are FBT-exempt, saving thousands per year.

EVs can be FBT-exempt — see your saving

FBT-exempt

Healthcare Salary Packaging

Package up to $9,010 in living expenses FBT-free. For public hospital, NFP, and ambulance employees.

Up to $9,010 FBT-free per year

Work tools

Work Equipment Packaging

Salary package laptops, phones, tablets, and tools. FBT-exempt for items primarily used at work.

30–45% effective discount

How Salary Sacrifice Works

Salary sacrifice is an arrangement between you and your employer where you agree to receive less of your gross salary as cash, and instead have the sacrificed amount directed toward an approved benefit. Because the benefit is paid from your pre-tax salary, your taxable income is reduced and you pay less income tax.

Choose a benefit: Decide whether to sacrifice to super, a novated lease, healthcare packaging, or work equipment.
Agree with your employer: Your employer deducts the sacrifice amount from your gross pay before calculating income tax.
Pay less tax: Your taxable income drops by the sacrifice amount, so you pay less income tax each pay cycle.
Receive the benefit: The sacrificed amount goes to your super fund, lease provider, or packaging provider instead of your bank account.

Frequently Asked Questions

What is salary sacrifice?

Salary sacrifice (also called salary packaging) lets you redirect part of your pre-tax salary toward approved benefits like superannuation, a car (novated lease), or living expenses (for eligible healthcare workers). Because the amount is deducted before income tax is calculated, it reduces your taxable income and therefore the tax you pay.

What are the different types of salary sacrifice?

The four main types are: (1) Superannuation — extra pre-tax contributions to your super fund, taxed at 15% instead of your marginal rate. (2) Novated lease — salary package a car and all running costs pre-tax. (3) Healthcare salary packaging — FBT-free living expenses for hospital and NFP employees. (4) Work equipment — salary package laptops, phones, and tools that are FBT-exempt when primarily for work.

How much tax can I save with salary sacrifice?

Tax savings depend on your marginal tax rate and the amount you sacrifice. As a guide: someone on $100,000 salary sacrificing $10,000 to super saves roughly $2,250 in income tax per year (the $10,000 is taxed at 15% in super instead of 32.5% + 2% Medicare). Use the calculators above to see your exact savings for 2025-26.

Does salary sacrifice reduce my take-home pay?

Yes, but by less than the amount you sacrifice. Because you pay less income tax, some of the sacrifice is offset by tax savings. For example, sacrificing $100/week to super might only reduce your take-home by $60–$70/week depending on your tax bracket.

Can anyone salary sacrifice?

Most employees can salary sacrifice to super or novated lease if their employer offers it. Healthcare salary packaging ($9,010 FBT-free cap) is limited to public hospital, NFP hospital, and ambulance service employees. Work equipment packaging is available to any employee whose employer participates.

What is the difference between salary sacrifice and salary packaging?

They are the same thing. 'Salary sacrifice' and 'salary packaging' are interchangeable terms. Both refer to an arrangement where you receive part of your pay as benefits instead of cash, reducing your taxable income.

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