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Voluntary after-tax contributions

Adding some additional money into your super now can really add up in the long-term.

Voluntary contributions

Grow your super

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, whatever suits.

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.

Contributions calculator

To find out if adding a little extra into your super could reduce your income tax, get you a government co-contribution payment, and help you achieve your dream retirement, use our contribution calculator.

How do I make contributions?

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

BPAY®

You can make you can make voluntary, after-tax contributions to your super using BPAY. Get your unique BPAY reference number.

Direct Debit

To make regular payments from your bank or financial institution, complete and return a Direct Debit Request form.

Payroll Deductions

Ask your employer to make regular payments from your after-tax pay.


When do I need to make contributions?

If you want your contribution to be allocated to your account by a particular date, like 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. 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 Work Test declaration. You can complete the declaration online, or print and complete the Work Test declaration form.

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 $180,000.00 per year. Learn more about contribution caps.

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