Where are you at with your super?

Personal contributions

Adding a bit more to your super now could help you achieve a comfortable retirement.

For many people, the compulsory contributions made by your employer may not be enough for a comfortable retirement. Adding a bit more to your super now could help you achieve that goal.

Personal contributions are those made to your super fund from your after-tax (net) salary, either on a regular or one-off basis.

Tax deductions can be claimed on personal contributions. If you choose to claim a tax deduction on your personal contributions, they will then be counted towards the concessional contribution limit. If no tax deduction is claimed, your personal contributions will be counted towards the non-concessional contribution limit. Contributions made in excess of the limits are subject to additional tax. If you haven’t provided us with your Tax File Number (TFN) we won’t be able to accept non-concessional contributions from you or accept one-off contributions that will exceed the contribution limits.  For more information on contribution limits, please read Additional Information – How super is taxed.

By making a voluntary after-tax contribution you may be eligible to take advantage of the Government's super co-contribution scheme. However, if you claim a tax deduction for the contribution, you won’t be eligible for the Government co-contribution. Personal contributions can be made through a payroll deduction (on an after-tax basis), a direct debit from your bank account or through BPAY®.

Contributing to super after age 65

If you’re aged 65 to 74, you will need to meet the work test requirements to be eligible to make non-concessional contributions. To meet these requirements, you must be employed for at least 40 hours over a period of 30 consecutive days during the financial year in which the contribution is made. However, as a once only exception, from 1 July 2019, you can also make or receive such contributions if you do not meet the above work test rules in the year the contribution was made, but you did meet it in the prior financial year, and your total superannuation balance (across all funds) is less than $300,000. You can be employed by a company or self-employed, in any business trade, profession, vocation, calling, occupation or employment. If you are self employed, you must have previously been an employed member of the Fund before you can make self-employed contributions. Once you turn 75, you can’t make any personal contributions to your super account.

More information

  • Additional Information - How super is taxed 196.4 KB PDF

  • Additional Information - How super works 292.07 KB PDF


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