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 voluntary after-tax contributions (also known as 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.
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.
Make a contribution
There are a couple of ways that you can add to your super and take advantage of Government co-contribution:
You can make you can make voluntary, after-tax contributions to your super using BPAY. Get your unique BPAY reference number.
You can add to your super on an ongoing or one-time basis from your take-home pay using direct debit. Log into Member Online to make a new or change an existing direct contribution.
Ask your employer to make regular payments from your after-tax pay.
If you want your contribution to be allocated to your account by a particular date, such as 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 institution's 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.
Do you want to claim a tax deduction?
Some eligibility conditions and criteria apply when you’re thinking about claiming a tax deduction for after-tax contributions. Find out more about claiming a tax deduction for contributions made into your Australian Retirement Trust account.
Note: COVID-19 early release re-contributions cannot be claimed as personal deductions.
If you're a member, to claim a tax deduction, you'll need to notify Australian Retirement Trust by completing the claim, or a vary a tax deduction form in Member Online.
If you are aged between 67 and 74, you need to complete a Work Test declaration. You can complete the declaration in Member Online.
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. Learn more about contribution caps.
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