Salary sacrifice contributions

Less tax and a super boost

Everyone wants to pay less tax. One way you may save tax is to make salary sacrifice contributions into your super. Simply ask your employer to pay more of your pre-tax salary into your super account.

Tax benefits

If you are working, then you may be paying income tax as high as 45% plus 1.5% Medicare Levy. When you make a salary sacrifice contribution, it is paid directly into your super before income tax is deducted. Given you only have 15% super contribution tax applied, your income tax may be reduced.

Check out our salary sacrifice calculator to find out how much income tax you may save if you salary sacrifice.

You can also learn more by reading our Salary sacrifice factsheet.

How to make a contribution

Find out from your employer whether salary sacrifice is available to you, and also whether your employer contributions or other benefits (e.g. annual leave loading or long service leave) will be impacted by changing your taxable income.

TIP: There are limits to the amount you can contribute to super. You should check these before making arrangements. Refer to our Contribution limits factsheet for more information.