Grow your super with extra contributions

Whether retirement’s a speck on the horizon or coming soon, there’s options you can take to set up future you.

Grow your own way

There are plenty of ways you can add to your super balance today to achieve the retirement lifestyle you want down the road.

Most employers currently contribute 9.5% of your salary into your super account via the compulsory Superannuation Guarantee (SG) payments. However, this might not be enough if you have particular retirement goals in mind. By boosting your balance with voluntary contributions, you may have more money to live the way you want, once you stop working.

There’s a number of ways to add to your super. Before you make any extra contributions, you should consider your debt levels as well as current and future financial commitments.

Adding to your super

A little top up now may mean more for your super later. Read on to find out how you can boost your super for the life you want tomorrow.

Make after-tax contributions 

Adding to your super with take-home pay can be a great way to turn little amounts into big savings when you're ready to retire.


Start salary sacrificing

If you can afford to take home a little less pay, think about “sacrificing” some of your salary and sending it straight to your super account.


Add to your partner’s super

Taking a break from work? Your super savings don't have to. Your partner can split their contributions with you – and you can return the favour.


Tax and super

You can make contributions on top of your employer's SG payments in two ways:

  1. After tax

    You can contribute with money that's already in your pocket. This means it's already been taxed by the Government. You can make contributions in small or larger amounts, up to Government-fixed contribution limits. See more on these limits below.

  2. Before tax (salary sacrificing)

    You can contribute with some of your salary that hasn't gone into your pocket yet. This means it goes straight to your super account and also gets taxed there, usually at a lower rate

See if you’ll have enough income in retirement in just a few minutes.

Learn More

Add to your super and retire with more - pdf, 325KB

Grow with confidence

Super in a few places isn’t just messier – it’s a lot more costly. Consolidate with us and take control of your super.

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