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Picture Book · Super contributions

Salary sacrifice

Story pages

A woman in her late thirties with curly hair walking through a city park at lunchtime
Meet Lena. She's 38 and wants to save for later without feeling it too much.
A woman in her late thirties talking with a friendly payroll officer across a desk
Salary sacrifice means asking your employer to pay some of your pre-tax pay into super.
Two glasses of water side by side on a table
That money is generally taxed at 15% in the fund, which may be lower than her income tax rate.
A row of jars on a pantry shelf
It counts toward the $32,500 concessional cap, together with her employer's super.
A small locked wooden chest on a shelf beside a pot plant
The trade-off: her take-home pay drops, and the money stays in super until she can access it.
A woman in her late thirties planting seedlings in a raised garden bed on a sunny afternoon
Lena starts with a small amount and reviews it each year.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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