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.
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.
Earn less than $62,488?
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.
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 2025–26 financial year, you can make up to $120,000 of non-concessional contributions. Check the bring-forward rules for a higher limit.
If your total super balance is $2 million or more at 30 June 2025, you can't add any more after-tax contributions.
It's easy with BPAY®
Find your BPAY details in our app, in Member Online, or in your annual statement. You'll need your member number.
Direct debit
It's easy to set up direct debit one-time or ongoing payments in Member Online.
Or you can send us a paper form.
Payroll
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.
