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Contribute to super

Check your contribution limits

For the most up-to-date information, view your contribution totals in Member Online and check your yearly limits.

Making additional contributions to your Super Savings account can make a significant difference to your financial future. The earnings paid on earnings can cause a ripple effect that gets your balance expanding over time. And you may also be able to lower your taxable income.

Let the ripple effect begin

Salary sacrifice

When you set up a  salary sacrifice arrangement with your employer, you pay ("sacrifice") some of your before tax salary into your super account rather than receiving it as take-home pay. It can be a smart way to boost your super and reduce your taxable income.  
If your employer doesn’t allow you to salary sacrifice, or if you’re self-employed, you  can put before tax money into your super account by making a voluntary contribution, then claim a tax deduction-see tax deductable contributions below. 

Tax deductable contributions

You may be able to claim a tax deduction on some or all of the after tax contributions you pay into super account. It’s a great way to make the most for your future, while saving right now.

Voluntary after-tax contributions

You can add to your super from your after-tax income on a one-off basis or regularly. Depending on your situation, voluntary after-tax contributions could be a good way for you to grow your super balance.

Note: From 1 July 2021, COVID-19 early release re-contributions can be accepted under the Treasury Laws Amendment.

Government co-contribution

Depending on your income, you may be eligible for an extra super contribution from the Government of up to $500.

Spouse contributions

You can a build a better future together by contributing to your spouse’s super. And just by doing this, you could get a handy tax offset in the process.

Employer contributions

By law, employers need to contribute at least 10.5% of your ordinary times earnings into super. You can maximise the value of this contribution by choosing the right fund for you.

Low income super tax offset

To help you save for your retirement, the Government could boost your super savings by giving you a low income super tax offset.

Downsizing contributions

Australians aged 60 and over who are downsizing for retirement can now make an after-tax contribution to their super of up to $300,000, using the proceeds from the sale of their family home.

Contributions calculator

Use our contributions calculator to see the difference additional contributions can make. 

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A small change today can make a big difference to your retirement

Talk to us today to better understand your superannuation contribution options and the impact it could have on your future.