Paying your own money into super (voluntary after-tax contributions)

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For many people the compulsory contributions made by your employer may not be enough. You might want to increase the amount you invest in super by making your own contributions. Voluntary after-tax contributions are those made to your super fund from your after-tax (net) salary, either on a regular or one-off basis.

By making a voluntary after-tax contribution you may be eligible to take advantage of the Government's co-contribution scheme.

Voluntary after-tax contributions can be made through a payroll deduction (on an after-tax basis), a direct debit from your bank account, a cheque deposit, or you can even BPAY® them!

Excess contribution caps apply to contributions made to your super account. Superannuation funds are unable to accept a contribution exceeding the cap and any super contributed over the cap is subject to extra tax.

To see if you qualify for the Government co-contribution, check out the co-contribution calculator.

Caps apply to contributions and any super contributed over the cap amount is subject to extra tax. The cap amount depends whether the contributions are concessional (before-tax) or non-concessional (after-tax). Check out information on contribution caps including the recent changes to concessional contribution caps.

We need to have your Tax File Number (TFN) on file in order to accept voluntary contributions. If we don't have your TFN, we can't process your voluntary contributions and you may also pay more tax than you need to. To provide us with your TFN, log into Member Online or call 13 11 84.

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