Donors
Salary Sacrifice vs Direct Donation Calculator
Compare workplace giving (salary sacrifice) versus direct donation in Australia. Salary sacrifice gives you an immediate tax benefit through PAYG — no waiting until tax time.
Direct Donation
$1,300/year
Pay $1,300 upfront
Claim $423 back at tax time
Net cost: $878/year
Claim $423 back at tax time
Net cost: $878/year
Salary Sacrifice
$1,300/year
Only $34 per fortnight from your pay
Tax benefit is instant via PAYG
Net cost: $878/year
Tax benefit is instant via PAYG
Net cost: $878/year
Marginal Rate
32.5%
Annual Tax Saving
$423
Cash Flow Advantage
$423
Why salary sacrifice? Both methods give the same total tax deduction. The difference is timing. With salary sacrifice, your employer deducts the donation pre-tax from each paycheck — you see the tax benefit immediately in every pay. With direct donation, you pay full price and wait up to 12 months to claim the deduction at tax time. For a $50 fortnightly donation, that's $423 better cash flow throughout the year.
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