Salary sacrifice – want to pay less tax and boost your super?

Learn how salary sacrifice (before-tax contribution) could work for you:



Find out more from the people you can trust
Call 1300 130 780 to speak to one of our qualified financial advisers to find out how much more you could retire with if you reduced your take-home pay by less than $20 a week, or see the example below.


Decrease in take-home pay per weekAnnual income tax saving


Super balance at age 67 without salary sacrificeSuper balance at age 67 with salary sacrifice

Super boost

($30 before-tax contribution)





($75 before-tax contribution)





Refer to assumptions below

Setting it up with your employer is easy.

Just contact your payroll officer or complete the Payroll Deduction Form and send it to them.

Remember, you can change or stop your salary sacrifice at any time.

Assumptions: 40 years of age, $80,000 superannuation invested in MySuper Balanced, $70,000 annual income, 9.50% employer SG contribution increasing to 10% from 1 July 2021, 6.5% p.a. investment earnings net of fees, indirect cost ratio of 0.39% pa, administration fee of $1.50 per week plus 0.18% p.a. of account balance, 0.28% investment fee, $132.60 p.a. insurance premium and average 2.5% inflation rate p.a. (All fees are net of tax). The above projections are meant as an estimate only and are not intended to be used for practical purposes. Actual outcomes will depend on a range of factors outside our control. It is not intended to be used as a substitute for professional financial advice.

Please note: The annual concessional (before-tax) contribution limit is $25,000. This limit includes your employer Superannuation Guarantee (SG) and salary sacrifice contributions. Excess concessional contributions will be taxed at your marginal tax rate less 15%, payable to the Australian Taxation Office.