"$90k + Super" vs "$90k Package": What You Really Take Home
A package that includes super means a lower salary. Take-home pay for four offers both ways, and how to read job ads.
By the MoneyBackKit AU team · Updated 28 October 2026 · 2 min read
Job ads and offers say "$90,000 + super" or "$90,000 package". They sound the same but aren't. A package (also called total remuneration or "including super") has the employer's 12% super carved out of it, so your actual salary is lower.
Plus super vs including super (2026-27)
| Offer | Take-home if + super | Salary if it includes super | Take-home if it includes super | Difference a year |
|---|---|---|---|---|
| $70,000 | $57,080 | $62,500 | $52,043 | $5,038 |
| $90,000 | $70,680 | $80,357 | $64,123 | $6,557 |
| $120,000 | $91,080 | $107,143 | $82,337 | $8,743 |
| $150,000 | $110,430 | $133,929 | $100,551 | $9,879 |
Reading an offer
- "+ super" or "plus super": the figure is your base salary and super is paid on top.
- "Package", "TRP", "total remuneration" or "inclusive of super": super is inside the figure.
- Super is worked out on ordinary time earnings, so overtime usually doesn't attract it.
- From 1 July 2026 employers must pay super within 7 days of payday, so you can check it lands.