Superannuation Salary Sacrificing
Salary sacrificing is an agreement with your employer to direct a portion of your pre-tax wage directly into your Superannuation fund instead of receiving it in your paycheck.
Because these contributions are taxed at a flat 15% concessional rate inside the fund (instead of your marginal tax rate), it offers massive tax advantages.
The Concessional Cap
The annual concessional contribution limit is $30,000 for the 2025/2026 financial year. This limit includes:
- Employer contributions (your 12% Super Guarantee).
- Voluntary pre-tax salary sacrifice contributions.
Action Plan: Set Up Sacrifice
- Speak with Payroll: Arrange salary sacrifice agreements with your employer before the income is earned.
- Optimize Contributions: Use our Salary Sacrifice Superannuation Calculator to model your exact tax savings and ensure you do not exceed the $30,000 cap.
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