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What are voluntary super contributions?

A voluntary contribution is when you add money to your super. It's different to the super guarantee (SG) contributions your employer must make.

There are 2 types of voluntary contributions: those made after tax from your take-home pay or other money you have, and salary sacrifice contributions made before tax.

Let's look at the after-tax type.

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Other names we use

Voluntary after-tax contributions are also known as:

  • Non-concessional contributions

  • After-tax contributions

  • Personal super contributions

  • Additional super contributions (after-tax)

Adding to your super after tax

What is the benefit of non-concessional super contributions?

Every little bit counts when you're saving for a better retirement. And you might be able to get some extra benefits along the way.

  • Grow your super

    Any extra money you add to your super now makes a big difference to how much you end up with.

  • Claim a tax deduction

    When you add money from your pay or your bank to your super, you may be able to get a tax deduction for it.

  • Get more from investments

    You usually pay tax on investment returns. But if you invest in super, you generally pay up to 15% compared to up to 47% on other investments.

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Earn less than $58,445?

You may be able to get a bonus in your super if you make an after-tax contribution.

Check if you can get the government co-contribution.

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Try our Super Contributions Calculator

Work out the best way to boost your super and save tax. Quickly compare a one-off payment with ongoing contributions with our calculator. Try it now.

How to make voluntary super contributions

You can add money to your super as a once-off payment or as regular payments. But there’s a limit, called a contribution cap.

In 2023–24, you can make up to $110,000 of non-concessional contributions. Check the bring-forward rules for a higher limit.

If your total super balance is $1.9 million or more at 30 June 2023, you can't add any more after-tax contributions.

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Find your BPAY details in our app, in Member Online, or in your annual statement.

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It's easy to set up direct debit one-time or ongoing payments in Member Online.

Or you can send us a paper form.

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You can ask your employer to make regular payments from your after-tax pay.

FAQs about voluntary or non-concessional contributions

Want to know more about adding to super after tax? Check here for an answer or contact us.

It depends on your situation. It's easy to compare salary sacrifice vs voluntary contribution (after-tax) options with our Contributions Calculator.

You can get personal financial advice about the best ways to grow your super, too. It’s included in your membership.

If you need financial advice about more than your super, we can refer you to our National Advice Panel. You can access qualified advisers across the country.

And of course, if you already have a financial adviser, you can ask them.

It might help to check how much super you should have at your age.

Yes, you can, and you can add money to your super even later – up to age 75. You don't need to meet a work test unless you want to claim a tax deduction.

Learn more about getting ready to retire.

You can but there are limits. The government only lets you add money to your super after age 75 if it’s downsizer contributions or SG contributions.

If you're looking for smart ways to use your super in retirement, check out our retirement income options.

You can choose how much and how often you get payments with our Income accounts, or get an income for life with our Lifetime Pension.

Claiming a tax deduction on money you add to your superannuation is simple.

  1. You need to make a non-concessional contribution (after tax).
  2. Tell us before 30 June that you want to claim a tax deduction, or before you lodge your tax return (whichever comes first).
  3. Wait for us to confirm everything's in order.
  4. Add it to your tax return.

You can do all this in Member Online. Or learn more about super tax deductions.

If you've already permanently retired, whether or not you can add to your super depends on your age.

You can add to your super up to the limits until you turn 75.

If you're not yet retired, but you can access your super, you can turn some of it into a pension with a Transition to Retirement (TTR) Income account. This means you can keep adding to your balance while getting payments.

Yes, you can add money to your super in one big chunk for a variety of reasons, including:

  • More convenient than many smaller contributions
  • Getting an inheritance
  • Adding to your spouse or partner's super
  • Getting money from a superannuation split after separation/divorce
  • Making a downsizer contribution
  • Saving for your first home deposit
  • Putting back super you took out during the coronavirus pandemic.

Remember to check how much you can add to your super for the year.

You can also get financial advice about the best way to add that money to your super.

It depends on your circumstances. Normally, you can't take out your voluntary contributions – or any of your super – until you turn 65. Or you need to reach your access age (59-60, depending on your date of birth) and retire.

At that point, we have some great retirement products to help you make the most of your super.

If you haven't retired yet, you can only take out your super if you meet the early access rules.

Yes, voluntary contributions have lots of different names.

But when we're talking about ways to add to your super after tax, they all mean the same thing – you're adding money to your super account that's already been taxed.

Add to your future

Every dollar now makes a difference later. Put some money in your super today using Member Online or BPAY.

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