Option 2 – contribute to super after tax
As you can see, salary sacrificing the contribution provides a total tax saving of $311.15, not allowing for any Medicare levy payable or tax offsets. However, by making a personal contribution you are eligible for the Government co-contribution which can provide a higher or lower benefit depending on the level of taxable income (in this case a lower benefit of $77.41). The comparison will be different for each person and you do need to check your own situation.