How much can I salary sacrifice to super 2025-26 Australia?
Quick answer: for 2025-26, the standard concessional cap is $30,000.00. A quick first estimate of extra salary sacrifice room is cap minus employer SG. That means higher salaries usually have less room before they hit the cap.
Quick formula
Start with $30,000.00, subtract employer SG at 12%, then subtract any other concessional contributions you expect to make.
Salary sacrifice room by salary
| Salary | Employer SG | Approx extra salary sacrifice room |
|---|---|---|
| $70,000.00 | $8,400.00 | $21,600.00 |
| $90,000.00 | $10,800.00 | $19,200.00 |
| $120,000.00 | $14,400.00 | $15,600.00 |
| $150,000.00 | $18,000.00 | $12,000.00 |
| $200,000.00 | $24,000.00 | $6,000.00 |
| $250,000.00 | $30,000.00 | $0.00 |
What changes the answer
- Carry-forward unused concessional caps can increase your effective room.
- High salaries can use up most or all of the standard cap through employer SG alone.
- If Division 293 applies, extra salary sacrifice can still help, but the tax benefit is smaller.
Run the salary sacrifice calculator
Turn the cap estimate into an actual take-home versus super comparison.
Open the full super caps guide
Use the broader reference page for carry-forward, non-concessional caps and excess rules.
Check Division 293 next
If your income is high, confirm whether the extra super tax changes the trade-off.
Frequently asked questions
How much can I salary sacrifice to super in 2025-26?
Does employer super count towards the salary sacrifice limit?
Can carry-forward contributions increase the amount?
Tax Accuracy & Sources
This page gives a planning estimate for 2025-26 salary sacrifice room using the standard concessional cap. It does not calculate your exact carry-forward position.