Tax Planning
2025-26 FY
Tax Planning Calculator
See how extra superannuation contributions or work-related deductions can reduce your taxable income and lower the tax you owe — before the financial year ends.
Your Income
$
Tax Planning Strategies
$
$
Tax Saved
$0
per year
Taxable Income
$80,000
unchanged
Effective Rate
20.5%
unchanged
Before vs. After
Gross Income
$80,000$80,000No change
Salary Sacrifice (Super)
$0$0No change
Work-Related Deductions
$0$0No change
Taxable Income
$80,000$80,000No change
Income Tax
$14,788$14,788No change
Medicare Levy
$1,600$1,600No change
Total Tax & Levies
$16,388$16,388No change
Take-Home Pay
$63,612$63,612No change
Quick Scenario Comparison
How different strategies compare for your income of $80,000
| Scenario | Taxable Income | Total Tax | Eff. Rate | Take-Home |
|---|---|---|---|---|
| No planning | $80,000 | $16,388 | 20.5% | $63,612 |
| +$2,500 salary sacrificesaves $800 | $77,500 | $15,588 | 19.5% | $61,912 |
| +$5,000 salary sacrificesaves $1,600 | $75,000 | $14,788 | 18.5% | $60,212 |
| +$10,000 salary sacrificesaves $3,200 | $70,000 | $13,188 | 16.5% | $56,812 |
| +$1,000 deductionssaves $320 | $79,000 | $16,068 | 20.1% | $63,932 |
| +$3,000 deductionssaves $960 | $77,000 | $15,428 | 19.3% | $64,572 |
| +$5,000 deductionssaves $1,600 | $75,000 | $14,788 | 18.5% | $65,212 |
* Estimates use 2025-26 ATO tax tables with standard Medicare levy. Salary sacrifice capped at concessional limit ($30,000 minus employer super). Does not constitute financial advice — consult a registered tax agent.