Voluntary after-tax contributions

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Use this superannuation calculator to find out if you could receive a government co-contribution or if salary sacrificing could help reduce your income tax.

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Make it happen

Direct debit request form
Download Direct debit request form [PDF 55KB]

Making voluntary after-tax contributions to your super can be an easy and effective way to grow your super. You can make after-tax contributions (also known personal contributions) on a regular or one-off basis, whichever suits you best.

Plus, with an after-tax contribution you could also boost your super by up to 50 cents for every $1 you contribute (up to $500 per year) with the Government's co-contribution scheme.

Make your contributions

There are a number of different ways you can make voluntary after-tax contributions:

	BPAY® You can make one off or regular payments using BPAY. Get your BPAY reference number.
	Direct Debit To make regular payments from your bank or financial institution, complete and return a Direct debit request form [PDF 174KB].
	Payroll Deductions Ask your employer to make regular payments from your after-tax pay.
	Cheque To make a contribution by cheque, simply send us your cheque along with a completed Direct voluntary contribution form [PDF 64KB].

When do I need to make my payment?

If you want your contribution to be allocated to your account by a particular date, such as before the end of the financial year, we need to receive the contribution before the close of that business day.

Please keep in mind your financial institutions processing time-frames if making payment via BPAY and postage time-frames if sending a cheque. We recommend you allow at least three business days for BPAY and 7-10 business days for postage.

Work test

If you are aged between 65 and 74, you need to complete a 2012-13 Work test declaration [PDF 55KB] and return it with your contribution.

Contribution caps

It's worth noting that there are some caps which limit the amount of after-tax contributions that can be made and any super contributed over the cap amount is subject to extra tax. But these caps are fairly high. For example, the non-concessional (after-tax) contribution cap is set at $150,000.00 per year. Find out more about contribution caps.

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