Salary package calculator

What the result means

A package is base salary plus employer super plus any other cash benefits. Job ads mix “$95k plus super” and “$95k including super”, which are different offers.

How it is calculated

Exclusive: package = salary + salary × 12% + extras. Inclusive: salary = advertised ÷ 1.12

• SG: 12% in 2026–27, capped at the maximum contribution base.
• Extras: Optional annual cash benefits.

Inclusive ads are unwound at 12%. Exclusive ads add 12% super on top, then extras.

Worked example

$95,000 plus super versus including super

Two ads both say $95,000.

Plus super

$95,000 + $11,400 = $106,400 package

Including super

$95,000 ÷ 1.12 ≈ $84,821 salary + $10,179 super

The “plus super” role is more than $21,000 a year better in total package.

Ask which figure is on the contract

The Superannuation Guarantee for 2026–27 is 12% of qualifying earnings. If the advertised number already includes that 12%, the cash salary is the number divided by 1.12. Subtracting 12% of the package is the usual mistake and understates the base by more than a thousand dollars on a $120,000 ad.

Bonuses, cars and allowances may or may not count toward SG. This calculator treats extras as cash on top, not as extra super. Compare two offers on the same basis — both exclusive, or both inclusive — before you decide which pays more. The salary-plus-super guide is the long version of that comparison.

Questions