Salary Package Comparison Calculator
Compare job offers side by side - calculate take-home pay, total package value, and tax impact using current Australian tax brackets.
Offer A
Offer B
About Salary Package Comparisons
- FY2025-26 tax brackets: 0-$18,200 nil, $18,201-$45,000 at 16%, $45,001-$135,000 at 30%, $135,001-$190,000 at 37%, $190,001+ at 45%.
- Superannuation guarantee is 11.5% for FY2025-26. Some employers offer higher rates.
- Medicare levy of 2% applies on top of income tax. Surcharge may apply if you earn over $93K and lack private health insurance.
- Salary sacrifice reduces your taxable income but may attract FBT. Common uses include additional super contributions, car leasing, or laptops.
- Total package includes cash, super, and non-cash benefits. Compare both take-home pay and total remuneration.
- This calculator provides estimates only and does not account for HELP/HECS repayments, Medicare levy surcharge, or tax offsets.
Save this salary package comparison calculator result?
Sign up to stay on top of webinars, news and events.
No spam. Unsubscribe any time.
How to compare salary packages properly
Comparing job offers on base salary alone can be misleading. A lower base salary with higher super, a car allowance, and annual bonus could deliver more total value than a higher base with no extras. The key metric is take-home pay (what hits your bank account after tax and Medicare levy) plus the value of non-cash benefits like superannuation, which builds long-term wealth.
Salary sacrifice arrangements can also significantly impact your take-home pay by reducing your taxable income. Common salary sacrifice items include additional super contributions (concessional contributions cap of $30,000 per year including employer contributions), novated car leases, and portable electronic devices. However, some salary sacrifice items attract FBT, which may reduce or negate the benefit.
How to use this salary package comparison calculator
- Enter the base salary, superannuation rate, and any bonuses or allowances for Offer A.
- Repeat for Offer B (and optionally Offer C) to compare up to three packages side by side.
- Review the calculated take-home pay, total package value, and effective tax rate for each offer.
- Use the comparison summary to identify which offer delivers the highest total remuneration after tax.
Australian tax brackets and super rates for FY2025-26
This calculator uses the current Australian individual income tax rates, including the 2% Medicare levy. For FY2025-26, the tax-free threshold remains at $18,200, with marginal rates of 16% ($18,201-$45,000), 30% ($45,001-$135,000), 37% ($135,001-$190,000), and 45% above $190,000. The Superannuation Guarantee rate is 12% from 1 July 2025. These rates are built into the calculator so your take-home pay estimates reflect real-world figures for Australian employees.
What to look for beyond base salary
When evaluating offers, consider components that do not appear on a payslip but carry real value: employer-funded income protection or life insurance, professional development budgets, flexible work arrangements, additional leave entitlements, and share or equity incentives. Many Australian employers in mining, construction, and professional services offer FIFO allowances, vehicle allowances, or relocation packages that significantly shift the total value of an offer. Always convert these to an annualised dollar figure so you can compare like with like.
How AP automation supports payroll accuracy
For businesses managing multiple employees with different package structures, accurate payroll processing is critical. Automating accounts payable helps ensure that salary sacrifice deductions, allowance payments, and contractor invoices are all processed correctly and on time, reducing payroll errors and compliance risk.
See how Pulsify automates AP →Streamline your payroll and AP processes
Pulsify automates AP from inbox to ledger - invoice capture, coding, approval workflows, and sync to Xero or MYOB.