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Tax deductable contributions

If you aren’t able to salary sacrifice or would just rather do it yourself, you can still make before-tax super contributions by making voluntary contribution from your after-tax pay, and then claiming a tax deduction.

If you’re self-employed, you can also make a voluntary contribution and claim a deduction.

You're eligible to claim a deduction if you:

What happens when you claim a deduction?

Tax is deducted from your contribution by your super fund. The contribution amount no longer forms a part of your taxable income. This means tax savings may be available, depending on your income. The contribution is normally taxed at 15%. Additional tax will apply if your income (including concessional super contributions) is over $250,000, or if you exceed the concessional contributions cap.

Make a contribution

You can make a voluntary contribution on a regular or one-off basis, the following ways:

If you decide not to claim a tax deduction, depending on your total income, you may be entitled to a Government co-contribution if you make a voluntary after-tax contribution, without claiming a tax deduction.

Contribution caps

It's also worth noting that there are some caps which limit the amount you can contribute, and how much contribution you can claim. Find out more about contribution caps.