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Salary Package Calculator Australia
The same headline salary can mean very different take-home pay. Compare 'including super' against 'plus super' instantly.
Short answer
A salary plus super adds 12% on top of your cash pay; a salary including super bundles it inside. On a $100,000 figure, plus super means $100,000 cash and $12,000 super, while including super means about $89,286 cash and $10,714 super. That gap is worth thousands of dollars a year.
We show the same headline number two ways: paid plus super versus including super.
$100,000 plus super
Cash salary
$100,000
Employer super
$12,000
Take-home pay
$77,480
Total package
$112,000
$100,000 including super
Cash salary
$89,286
Employer super
$10,714
Take-home pay
$70,194
Total package
$100,000
The difference is real money.
The same $100,000 figure leaves you about $7,286 a year worse off in take-home pay if it "includes super" rather than being paid "plus super". Always ask which one an offer uses before you compare jobs.
Always ask which one an offer uses
Recruiters and ads use both. Before comparing two roles, confirm whether each figure is plus or including super, or you may pick the offer that actually pays less in your bank account.
How the maths works
To convert an 'including super' figure to cash salary, divide by 1.12. To convert a cash salary to a total package, multiply by 1.12. See salary including super explained.
Frequently asked questions
Which is better for me?+
'Plus super' puts more cash in your pocket for the same headline number. But always compare total package and your own circumstances.
Is super taxed the same as salary?+
Employer super is generally taxed at 15% inside the fund, which is usually lower than your marginal income-tax rate.
Does award or agreement pay include super?+
Award and agreement rates are usually the base rate, with super paid on top. Check your specific instrument.
Sources & methodology
- ATO - Personal income tax: new tax cuts (15% rate from 1 July 2026)
- Income Tax Rates Act 1986 (legislation.gov.au)
- ATO - Study and training loan repayment thresholds and rates
- ATO - Super guarantee
- ATO - Contribution caps
- ATO - Payday Super and the annual maximum contribution base
- ATO - Medicare levy
- ATO - Medicare levy surcharge income thresholds and rates
- Fair Work Ombudsman - Pay slips
- How we calculate these estimates
Last updated 13 August 2026. Figures use the 2026-27 financial year.
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