‘Salary sacrifice’ just means putting more money into your super from your pre-tax salary. Boosting your super this way can have tax benefits on top of building your retirement savings.

Why salary sacrifice?

Boost your balance

The more you put into your super now, the more you'll have to enjoy later in life.

Pay less tax

Salary sacrifice contributions are taxed at just 15% (or 30% for those with incomes over $250,000 p.a.).

Reduce your taxable income

Salary sacrifice contributions come out of your pre-tax salary, so they reduce your taxable income. Come tax time, you may need to pay less.

How it works

You can choose to 'sacrifice' part of your salary, putting it directly into your super instead of taking it home. These contributions are known as ‘before-tax’ or ‘concessional’ contributions. When the contribution goes into your super, it’s taxed at 15% tax (more if you earn over $250,000 p.a.), which is often much less than what you’d pay at your marginal tax rate. 

Just let your employer know how much you'd like to salary sacrifice to NGS and they'll set up your automatic contribution.

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How $25 a month could help you grow your super faster!

Before-tax contribution$25
Extra super over 10 years$3,800
Amount deducted from your take-home pay$2,000

Salary sacrificing $25 each month over 10 years could result in around $3,800 extra in your super while only costing about $2,000 of your take-home pay over that time.^

Need to know

Contribution limits

How much should I salary sacrifice?

You should make sure you don’t go over the contribution cap (see above) — don’t forget to consider how much your employer is already contributing, as this will count towards your $27,500 cap. If you’re unsure how much you should salary sacrifice, we offer single-issue advice through our Financial Advice Helpline. Advice is limited to your NGS Super account and there’s no cost. You can find out more on our Advice page. Alternatively, check out ASIC’s MoneySmart Contribution Calculator.

Get started

Just fill in the Contribution form below and choose how you'd like to send it to your employer.

Once your employer confirms and sets up the arrangement, your salary sacrifice contributions will be automatic — you’ll see them on your payslip. If you need to change or cancel your contributions, all you need to do is let your employer know.

Contribution form

Note: By pressing ‘Submit’ you will be provided with a completed instruction form. In order for your request to be actioned, you will need to provide this form to your employer.

Important information

^ The impact of salary sacrifice on the take home pay is based on the 2022-23 tax scales and is calculated using this calculator: https://www.paycalculator.com.au/. This calculation is based on a person earning an income of $70k and contributing $25 (pre-tax) each month into a super account, assuming 7.82% p.a. growth and average wage inflation of 2.40% year-on-year (based on the Wage Price Index of March 2022) over 10 years. The figures provided are based on a series of assumptions, including that all contributions are only subjected to 15% tax and no additional fees, and are general illustrations only. They do not take your personal circumstances into account and are not intended to be a substitute for professional advice.

NGS Super's Privacy Policy. NGS Super Pty Limited ABN 46 003 491 487, AFSL No. 233154 the trustee of NGS Super ABN 73 549 180 515. The information contained on this site is general advice only. It is not intended to be used as a substitute for professional advice and may not be right for you.

Visit our General Advice Warning.

Past investment performance is not a reliable indicator of future performance.

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