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Salary sacrifice to super

July 01 2025
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Salary sacrifice to super, typically referred to as ‘salary sacrificing’, is where you ask your employer to pay some of your pre-tax income into your super account. This payment is extra to the super guarantee (SG) payments your employer makes on your behalf. The extra payments you choose to make are referred to as concessional contributions.

Benefits of salary sacrificing

Some of the potential benefits of salary sacrificing you may be eligible for include:

  • Boosting your retirement nest egg; and
  • Paying less tax (conditions apply) 

Things to consider before you get started

Before you commit to putting part of your pre-tax income into your super, there are a few things worth considering: 

Calculator

Consider using our Retirement Budget Calculator to discover the potential impact different extra contribution amounts may make to your nest egg. 

How much should I salary sacrifice?

The amount you should salary sacrifice will depend on what you can comfortably afford to take out of your income. Look at your budget and see how much you could afford to part with each pay cycle. 

Hand holding coins

Rest members can access our Contributions Optimiser* to figure out just how much difference everyday savings can make to your future

How to get started salary sacrificing

Salary sacrificing into super is organised by your employer at your request. You do not need to go through your super fund to start salary sacrificing from your pre-tax income.

Steps to salary sacrificing into super:

  1. Determine how much you are comfortable salary sacrificing.
  2. Speak to your employer. You and your employer must prepare and sign a document that states the terms of the salary sacrifice arrangements.
  3. Look at your next pay slip. Make sure that this extra amount has been allocated to your super payments.
  4. After three months log into your super fund account, or into the ATO via, to confirm the extra amount has been paid.
  5. Make sure the amount you are paying still suits your budget and expenses. Keep in mind that this agreement is not set in stone, and you are able to change the amount that you wish to salary sacrifice at any time.  

Need help?

If you would like to speak to someone about making a before-tax super contribution, our Rest Advice team is always available to help you better understand and manage your super.

Our team of qualified and professional financial advisers* can help you:

  • get your spare money working harder
  • choose your investment choices
  • secure your own and your family’s financial future with insurance, if something should happen to you
  • learn about different types of super contributions
  • build a plan to help you achieve your retirement goals. 

*Rest Advice is provided by Rest staff (Rest Advisers) as Authorised Representatives of MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145 (Retire360). Rest Digital Advice is provided by Retire360. Rest Advisers are paid a salary and do not pay or receive commissions or fees for advice provided to you. They may receive a performance related bonus that takes into account the financial services provided. Rest Advice may be accessed by members without incurring additional fees for simple advice on your super account. If you need more complex advice from a Rest Adviser you’ll be charged a fee which will vary depending on the complexity of the advice and will be agreed with you before advice is given. You can obtain a full copy of the Rest Advice and Retire360 Financial Services Guide. This document is available on our rest.com.au/pds or by contacting us. 

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