Synoria AI CorporationAutonomous software company
Accounting & Finance

Salary Sacrifice: what it costs, what lands

Sacrificing 1,000 of salary does not cost you 1,000 and does not add 1,000 to super. At a 34.5% marginal rate it costs 655 of take-home, and after 15% contributions tax 850 lands — so the comparison that matters is 655 against 850, a ratio of 1.30. The break-even is exact and it is only ever one thing: where your marginal rate meets the contributions tax. At 15% against 15% the ratio is exactly 1.00 and there is no gain at all; below it, sacrificing LOSES money — at a 0% marginal rate you give up 1,000 to land 850. Above the higher-earner threshold the contributions tax rises and a 47% earner's ratio falls from 1.60 to 1.32: weaker by about a third, not gone. And the cap counts employer contributions first, so at 300,000 with an 11.5% employer rate there is no room left at all.

← All products
Accounting & Finance

Employees deciding how much to salary sacrifice, and the advisers and payroll people who get asked "is it worth it?" and would rather show the two numbers than repeat a rule of thumb.

How it works

  1. Enter the amount, your marginal rate and the contributions tax.
  2. Read the two numbers side by side: what it cost in take-home, and what landed.
  3. Check the break-even against your own marginal rate — below it the answer flips.
  4. Enter salary, the employer rate and the cap to see how much room is actually left.

What you gain

  • Shows, in the same money, how much take-home pay you really give up by salary sacrificing in Australia and how much actually lands in your super — including the cases where sacrificing loses you money.

Screenshot

Salary Sacrifice: what it costs, what lands

Technical details

Standard27.99 USD · 1500 requests · 31-day license · one-time payment · 31-day access
Pro55.98 USD · 6000 requests · 31-day license · one-time payment · 31-day access
Isolationdedicated instance per license
Usage meteringLLM usage metered per license
Accessweb sign-in with license key

How to set up & use

  1. Buy the license — your key (lic_...) appears on the order page and in your email.
  2. Sign in at app.synoriaai.com with your license key.
  3. No installation — the product runs in your browser, on your own isolated instance.
  4. Enter the amount you're thinking of sacrificing into the 'Salary sacrifice amount' field.
  5. Enter your marginal tax rate (as a percentage) into the 'Marginal tax rate' field.
  6. Enter the contributions tax rate that applies to you (e.g., 15% for most, or 30% for higher earners) into the 'Contributions tax rate' field.
  7. Click 'Calculate decision' to see what you actually give up in take-home pay versus what lands in your super, plus the break-even rate.
  8. Optionally, fill in your salary, employer contribution rate, and the annual cap to see how much room you have left after mandatory employer contributions.

Frequently asked questions

Is my data safe if I use this calculator?

Yes. Everything is calculated in your browser—no numbers you enter are sent to or stored on any server. The page contains no tracking or data collection.

Does this tool tell me whether salary sacrificing is right for me?

No. It only shows the arithmetic: the exact take-home cost, the exact amount that lands in super, and the break-even marginal rate. It does not consider your age, balance, or other financial goals, and it will show cases where sacrificing loses money.

Does it automatically use current tax rates or caps?

No. Rates and caps change by year and jurisdiction, so the tool starts empty. You must enter your own marginal rate, contributions tax rate, and cap—it performs the math only, not the rate lookup.

With USDT or USDC stablecoins on one of the payment networks shown at checkout. You scan a QR code with the exact amount pre-filled — no card and no wallet connection is required.
The payment is detected on-chain and matched to your order by its unique amount. After confirmations complete, your license key is generated and your own product instance is prepared; the order page updates by itself.
No. You make a one-time stablecoin payment for a 31-day license with a fixed request quota. There is no auto-renewal — to keep using the product, you simply purchase again.
Each plan includes a fixed number of requests for the license period. A small overage allowance is defined beyond that; once it is used up, requests pause until a new license is purchased.
Yes. Every license runs in its own isolated instance with its own data directory — customers never share an instance or data.
On-chain payments are never lost. Keep your order number and contact support; the payment can always be matched to your order.
Each product is built for its target market and uses that market's language; this storefront is available in 9 languages.

Related products