What will actually land in your account?
Answer five questions to see your take-home, deductions, working and source.
Questions people actually ask
Answered against the published rules, and dated.
On a $120,000 package, "plus super" means a $120,000 salary with super paid on top, costing your employer $134,400. "Includes super" means the $120,000 already contains it, so the salary is $107,143. Same headline number, roughly $12,857 difference in salary.
No. It is paid into a superannuation fund and you cannot access it until you meet a condition of release. It is part of what your employer spends on you, not part of what lands in your account.
Superannuation projections sit under a separate regulatory regime from calculators like this one. This page deliberately computes current-period mechanics only — what is contributed this cycle, and what lands in your account. No forecast, no growth curve.
Since July 2025 it is marginal: the rate applies only to income above each threshold rather than to your whole income. Below the minimum threshold nothing is repaid. Salary sacrificing into super does not reduce the income it is tested on.
Only if you are entitled to Medicare. Most temporary visa holders on a non-RHCA passport are not, so no levy is deducted. Setting residency to a temporary visa here shows that.