Salary Sacrifice Into Super Or Pay Down Debt? What’s The Best Option?

Learn how to easily compare the financial outcome of paying down debt against salary sacrificing into super and arrive at the net benefit of each.

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⏱ Timestamps
00:00 - Salary Sacrifice Into Super Or Pay Down Debt?
00:49 - Good Position - Building Wealth or Reducing Debt
01:35 - Comparing the Allocation of Surplus Income
01:56 - Effective Return of Paying Down Debt
03:45 - Effective Return of Salary Sacrificing
06:55 - Comparison Outcome of Salary Sacrifice vs Paying Debt

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Should I Salary Sacrifice Or Pay Down Debt?

Understanding which option is best for you can be confusing, but using a formula to closely compare each option from a financial perspective can go a large way towards helping you determine which option is more suitable for your situation.

Ultimately, there is no right or wrong answer between salary sacrificing to super or paying down debt - just different levels of risk and effective net returns. Each strategy is its own approach to building wealth and equity.

In this video, I’m going to talk through a working example of how you can calculate and compare the financial outcome of salary sacrificing to super versus paying down debt. The figures I use can be replaced by your specific figures to give you a more personalised outcome.

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DISCLAIMER: The SuperGuy website and SuperGuy YouTube channel contains general advice only. It is not personal advice as it does not take your specific needs or circumstances into consideration. Therefore, you should look at your own financial position, objectives and requirements and seek personal financial advice before making any financial decisions.

General advice is provided by Toro Wealth Pty Ltd trading as SuperGuy Retirement Experts as an Authorised Representative of Core Value FA Pty Ltd (AFSL 480387).

Before acting on any information, you should seek professional advice and verify our interpretation/s before relying on the content or calculators within this website or on the videos, while also considering its appropriateness in relation to your personal situation.