Salary including super: what a package means for your pay
Updated 13 November 2026.
Job ads and contracts describe pay in two ways. A salary "plus super" means your employer pays the 12% super guarantee on top. A salary "including super" (a package, or total remuneration) means the super comes out of the quoted figure.
Working out the base salary
Divide the package by 1.12. The rest is the super your employer pays into your fund. Tax is worked out on the base salary only.
| Package | Base salary | Super (12%) | Take-home a fortnight | If it were plus super |
|---|---|---|---|---|
| $70,000 | $62,500.00 | $7,500.00 | $1,997.85 | $2,194.31 |
| $90,000 | $80,357.14 | $9,642.86 | $2,464.66 | $2,717.54 |
| $110,000 | $98,214.29 | $11,785.71 | $2,931.47 | $3,240.77 |
| $130,000 | $116,071.43 | $13,928.57 | $3,398.29 | $3,762.00 |
The last column shows the same number as a salary plus super, so you can see what the difference is worth. When comparing offers, convert them both to the same basis first.
Salary sacrifice
Packages sometimes let you salary sacrifice extra into super or for other benefits. Salary sacrificed to super is taxed at 15% in the fund instead of your marginal rate, but it counts towards the concessional contributions cap. Salary sacrifice doesn't reduce the super guarantee your employer must pay.
Turn on "Amount includes super" in the pay calculator to split any package.