Track your super balance, model salary sacrifice, and never miss the $30,000 concessional cap.
Start optimising my superMost people leave thousands on the table each year. Budgi helps you find it.
Manually enter your super fund balance, updated as often as you like. Your super appears in your net worth dashboard alongside bank accounts and investments.
Use the salary sacrifice calculator to see exactly how much tax you save. Adjust contribution amounts in real time and see your take-home pay change instantly.
Track total concessional contributions — employer SG plus salary sacrifice. Get alerted when approaching the $30,000 annual cap before you accidentally breach it.
Know the numbers so you can make the most of them.
Superannuation Guarantee
11.5%
Employer contribution rate
Concessional Cap
$30,000
Per year (incl. employer SG)
Non-Concessional Cap
$110,000
After-tax contributions
Contributions Tax
15%
30% for high earners (>$250k)
Based on a $100,000 salary with employer SG at 11.5%. Sacrificing $500/month saves roughly $2,000/year in tax.
| Scenario | Taxable Income | Tax Paid | Take-Home | Super This Year |
|---|---|---|---|---|
| No salary sacrifice | $100,000 | $24,967 | $75,033 | $11,500 |
| $500/month sacrifice | $94,000 | $22,967 | $71,033 | $17,500 |
| Tax saving | — | ~$2,000/yr | ($4k less take-home) | +$6,000/yr |
Estimates only. Based on 2024–25 tax rates. Does not include Medicare levy. Consult a financial adviser for personalised advice.
The concessional cap is $30,000 per year. This includes employer SG contributions (11.5%) and any salary sacrifice. Contributions above the cap are taxed at your marginal rate.
Super contributions are taxed at 15% (or 30% for high earners above $250k). If your marginal rate is 32.5% or 37%, salary sacrifice saves you the difference — typically $1,500–$3,500/year on $5,000 extra.
Yes. You can add multiple super fund balances manually and Budgi will track your combined concessional contributions against the cap.
If your total super balance is under $500,000, unused concessional cap from the previous 5 years can be carried forward. Budgi reminds you of this opportunity before EOFY.