It would be great to have a calculator which compares salary sacrificing to super with the tax deductions (while also considering fees etc) versus investing outside of super with higher tax. This could also include assumed tax of 30% base when selling down. I often wonder how much more superannuation would actually accrue and all calculators I can find ignore that the money youre sacrificing should not count towards your profits if you’re trying to compare, as it would be invested outside regardless. It would help me to decide how to invest between different products inside and outside super