Salary sacrifice
A little less stuff, a lot more living
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What you do now could make a world of difference later.
Never lose sight of your dreams for the future. Contributing part of your before-tax salary to your Super SA
Triple S account could give you the freedom to live the life you’re dreaming of in retirement.
And with salary sacrifice, you’re totally in control. You choose the amount, and you can start and stop anytime.
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Meet Sarah
She is saving enough to do more travelling in retirement.1
Sarah is 40 and is a teacher. She earns $82,000 per year and is planning to retire at age 65.
She has just started to help it grow with salary sacrifice contributions of $40 per fortnight. That means she is on track to have an extra $34,900 in her super to do more travelling when she retires at age 65.
No salary sacrifice | With salary sacrifice contribution $40 per fortnight | ||||
Take home pay fortnight | $2,474 | $2,453 |
As a result Sarah:
- Pays $11 less in IncomeTax
- Reduces her take home pay by only $21
- Has $34,900 more in her Super at age 65

For more information on how these contributions are taxed, refer to the Triple S reference guide.
1 By contributing $40 per fortnight you could have $34,900 more at retirement, which could pay for more travelling when you retire.
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Assumptions for this calculation
The "extra in your super at age 65" has been calculated based on the following assumptions and rules of the Triple S Scheme as follows:
- Default employer Super Guarantee contributions of 10% up to 12% by 1 July 2025
- Salary is excluding Super Guarantee
- Investment rate of return of 6.1% per annum
- Price inflation rate of 2.5% per annum and a salary inflation rate of 3.2% per annum
- Death and Total and Permanent Disablement (TPD) insurance premiums of $117 per annum and Income protection is $936 per annum.
- Administration fees have been calculated at $70.20 per year plus 0.05% of the account balance (capped at $325 per year).
This calculation estimates an amount payable at a future time and has been adjusted to include price inflation to assume changes in the cost of living.
Want to learn more about growing your super? Book into a webinar today.
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How to set up your salary sacrifice
Decide on how much you want to put into your super from each pay and then follow these steps.

Fill in the Salary Sacrifice form
Want to salary sacrifice directly to Super SA? Decide on a set dollar amount or percentage to salary sacrifice. Filling in the form is easy. Click here to download the Triple S form. Click here to download the Triple S form.

Give to your employer or HR delegate
If you're not sure who to give the completed form to, just ask your immediate manager or HR delegate. They should know where the form needs to go.

Your employer sends to payroll
After you've given the form to your employer or HR delegate, the employer declaration, section 5, will be filled in by them. They’ll also hand the completed form to your agency's payroll to process.
Shared Services or Payroll will action the completed form and they’ll adjust your salary as per your instructions in the form. The employer will deduct a $44 fee.
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Why Salary sacrifice?
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With a salary sacrifice agreement in place, you will be saving more for retirement, which will be compounding over time. This could allow you to arrive at a financially sound place, sooner than later. When you’re ready to retire and live your best life, you’ll be better prepared financially.
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Want to know more about salary sacrificing to super?
It's easy to find out.
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What you need to consider when salary sacrificing into Triple S
Salary sacrifice can be an effective way to grow your super balance, but it’s not right for everyone.
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If I salary sacrifice am I eligible for a Commonwealth Government Co-Contribution?
If you’re salary sacrificing, you’re agreeing to a before-tax (concessional) contribution and this will not count toward the eligibility for a Commonwealth Government Co-Contribution.
You are only eligible for a Commonwealth Government Co-Contribution through voluntary after-tax contributions and if you meet the eligibility criteria. More Commonwealth Government Co-Contribution information is available in your schemes Product Disclosure Statement (which can be found here).
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Will my salary sacrifice contributions count towards the First Home Super Saver (FHSS) Scheme?Any contributions you make to your Triple S account, including any rollovers into the account, will not count towards the FHSS Scheme. Triple S is an untaxed fund and is therefore specifically excluded under Commonwealth rules.
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Are there limits which apply to how much I can salary sacrifice into Triple S?
There’s different limits that apply to how much you can salary sacrifice into Triple S.
Rather than concessional contributions being subject to an annual cap (currently $27,500), yours are subject to a lifetime cap ($1.615 million - for the 2021-2022 financial year) to Triple S. If you also receive concessional contributions in a taxed fund, any concessional contributions made to Triple S will be counted towards your annual concessional contributions cap.
Refer to the Triple S Product Disclosure Statement and Reference Guide for further information.With this benefit, you could significantly increase the amount you’ve saved in superannuation through compounding returns over a long period of time.
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Will my salary sacrifice be taxed if I'm in the Triple S scheme?
If you salary sacrifice into the Triple S scheme, rather than paying 15% tax up front on your contributions, tax is deducted when you withdraw from the fund, in accordance with the Australian Taxation Office rules for untaxed funds.
This is subject to applicable tax rates which will depend on whether you roll over, or if you cash out it will also depend on your Commonwealth preservation age. Further information about is available in the Triple S Reference Guide.
If the sum of your income and relevant concessionally taxed contributions is over $250,000 per year, you’ll be taxed at 15% of your relevant concessional contributions above the $250,000 threshold. You’ll receive notification from the Australian Taxation Office (ATO) advising you of the amount payable and your payment options. More information is available in the Super SA Division 293 Tax fact sheet and on the ATO website.
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Want expert advice?
There are lots of ways you can grow your super. For personalised advice, speak with your financial planner or book in for a Limited Financial Advice service through Industry Fund Services (IFS) available to Super SA members. Find out more here.
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The information shown on this website is general information only. We haven’t considered your needs or objectives when providing the information. You should assess your own financial situation and needs and read the relevant Product Disclosure Statement before deciding about products on this website.