First 6 Months30 minutesMoney & Finance
Set up salary sacrifice for super
Salary sacrifice lets you contribute extra to super from your pre-tax salary. It reduces your taxable income and boosts retirement savings.
Why this matters
Salary sacrifice is taxed at only 15% (instead of your marginal rate). For high earners, this is a significant saving.
How to do it
How to do it
- 1
Check if your employer offers salary sacrifice
- 2
Calculate how much you can afford to contribute
- 3
Fill out the salary sacrifice form with your employer
- 4
Concessional contributions cap is $30,000/year (2025-26)
Exceeding the contributions cap means extra tax. Monitor your contributions.
Time required: 30 minutes
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