Australia Salary Package Calculator

Assuming a 12% Super Guarantee and that the full amount is ordinary-time earnings, $120,000 including super means roughly $107,143 cash salary and $12,857 employer super. It is not the same as $120,000 salary plus super, which would cost the employer about $134,400 and give you a materially higher cash salary. Check the contract wording because an award, agreement, bonus structure, or super contribution base can change the calculation.

It can be, but it is not automatic. An employer may quote a total remuneration package that includes Super Guarantee contributions, or it may quote a base salary with super paid on top. Ask for the base salary, Super Guarantee amount, bonus, and total remuneration in writing before comparing offers.

The legislated minimum Super Guarantee rate is 12% from 1 July 2025 and remains 12% for 2026-27. It is paid by an employer to an eligible employee's super fund and is generally calculated on ordinary time earnings. An award or agreement can require a higher amount.

This calculator uses a simple 12% calculation across the entered cash salary. In practice, the quarterly maximum contribution base can limit compulsory Super Guarantee at higher incomes, and some payments such as overtime or particular bonuses may not count as ordinary time earnings. Use the written contract and current ATO guidance for the definitive position.

No. The cash salary inside an inclusive package is still taxable income. The key difference is that less of the quoted package arrives as taxable cash salary because part is employer super. Voluntary salary sacrifice is a separate arrangement with its own contributions-tax and concessional-cap rules.

You can add an indicative HECS/HELP repayment and a single-person Medicare Levy Surcharge estimate without private hospital cover. Those are simplified checks. HELP repayment income and MLS income can include items beyond cash salary, and MLS family rules and qualifying hospital cover are not fully modeled here.