Salary sacrifice

Salary sacrifice can be a brilliant move

Pay less tax and help boost your super

Salary sacrifice is when you choose to have your employer pay some of your salary into your super account rather than receive it as take-home pay. The salary you 'sacrifice' is paid directly into your super before income tax is deducted. This will not only boost your super balance, but also reduce your taxable income, and therefore the tax you pay.

You'll need to find out from your employer whether salary sacrifice is available to you, and if it is, ask them how to go about arranging it.

Learn more about salary sacrifice

• Check out our salary sacrifice calculator to find out how much income tax you would pay if you salary sacrifice.
• Check out the Get more super. Pay less tax booklet (678KB) or the salary sacrifice factsheet (377KB)
• Call our Member Advice Specialists now on 13 11 84, 8am to 6.30pm Monday to Friday (AEST).

Caps apply to contributions and any super contributed over the cap amount is subject to extra tax. Employer contributions (including salary sacrifice) are counted against the concessional (before tax) contribution cap. Check out the recent changes to concessional contribution caps.