$10,800
- Super guarantee per month
- $900
- Salary sacrifice
- $0
- Total concessional contributions
- $10,800
- Concessional cap left
- $21,700
- Over the concessional cap
- $0
- 15% contributions tax in the fund
- $1,620
- Added to super after contributions tax
- $9,180
- Personal tax saved by salary sacrifice
- $0
- Fall in take-home pay
- $0
- Overall gain from salary sacrifice
- $0
- From 1 July 2026 employers pay super on each payday ("payday super"), at 12% of qualifying earnings including any salary you sacrifice.
- Carry-forward of unused cap (total super balance under $500,000) and personal deductible contributions are not modelled.
Employer super: $10,800 a year at 12% ($900 a month)
Show the breakdown
| Line | Per year | Per month |
|---|---|---|
| Salary (qualifying earnings) | $90,000 | $7,500 |
| Employer super guarantee (12%) | $10,800 | $900 |
| Concessional contributions | $10,800 | $900 |
| 15% contributions tax (paid by the fund) | −$1,620 | −$135 |
| Added to your super | $9,180 | $765 |
- Super guarantee$10,80033%
- Cap left$21,70067%
Calculator by CalcBloc · rates from official sources, checked 2026-10-17.