• HOSTPLUS
Super Updated 15 December 2011

Salary sacrifice

More super, less tax 

While a personal contribution is adding extra to super from your take-home pay, salary sacrifice is a way to top up your super from your before-tax salary. 

You simply request that your employer pays extra into your super straight from your pay

Adding extra to your super by salary sacrificing can reward you with tax benefits – 15% tax is deducted from your super money, which is lower than most people’s personal tax rate which can be as high as 46.5% (including Medicare levy). Contribution caps apply. 

Some employers may not offer salary sacrifice to employees or may base their SG contributions on the reduced salary after salary sacrifice contributions are made. 

Our Salary Sacrifice brochure contains all the details you need. 

Is salary sacrifice right for you?

It’s important to understand if salary sacrifice could provide you with tax benefits, or if you’re better off topping up your super via personal contributions. 

  • Our online advice tool, Super Adviser, can help you compare both and calculate the potential tax benefits.
  • One of our dedicated licensed Industry Fund Financial Planning (AFSL 232514) financial advisers can help you decide the best way for you to add extra to your super to maximise your benefits. Contact an adviser.

For more details about contribution types, please read our Member Guide.

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