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Save more for the future
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Adding extra money to your super is a smart way to end up with more to retire on. But did you know it can also save you money on tax right now?

With salary sacrifice, you can add to your super from your income before it’s taxed, reducing your amount of taxable income.

Less taxable income means you pay less tax, see for yourself.

Superannuation is one of the most tax-effective ways to invest your money and the earnings on your investments are usually taxed at a lower rate than your income.

So, as well as reducing your taxable income, you’re also likely to save on the tax you pay on your investment earnings as well.

Put simply, salary sacrifice is a win-win: pay less tax now and have more money when you retire.

How salary sacrifice works

To arrange salary sacrifice, you just need to speak to your employer and tell them how much extra you’d like to add to your super each payday. Your chosen amount will then come out of your before-tax income each time you get paid – without you needing to do anything.


Twelve months ago, Sally turned 35 and decided to salary sacrifice $100 from her monthly pay. She earns $80,000 a year before tax. With her monthly salary sacrifice, she reduced her taxable income to $78,800 and saved $248 on tax. She also now has an extra $1,200 in her super, which could add up to $62,856 by the time she retires.