Make after-tax contributions

Add a bit from your take-home pay today, for more when you hang up your boots.

Why you should consider adding to your super

There’s a good chance your employer’s contributions on their own won’t be enough for a comfortable retirement. Living costs are likely to be a lot higher by the time you retire as well.

To continue enjoying the lifestyle you had while working, you should think about adding to your super with your take-home pay. Doing this can be as simple as cutting back on a few little luxuries, and putting that into your super instead.

Plus, if you’re a low income earner, and eligible, the Government may add to your super for every dollar you add with their co-contribution. Just remember to consider your debt levels before adding to your super.

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The Government Co-contribution

If you have a yearly income of less than $51,813 (before tax), where you meet certain criteria, the Government will match 50 cents for every $1 that you add to your super from your after tax income – to a maximum of $500 each year. This co-contribution gets paid directly into your account after you’ve lodged your tax return for that year, if your super fund has your TFN.


Your total income* Your contribution Co-contribution
$36,813 $1,000 $500
$42,813 $600 $300
$48,813 $200 $300
$51,813 or more Any amount

* Assessable income, plus reportable employer super contributions, plus reportable fringe benefits for the 2016/17 financial year.

How to get started

You can easily make one-off payments, or set up regular payments through your online account. Simply log in, head to the ‘Make a contribution’ page and follow the instructions.

You can also download andcomplete an After-tax contributions form (below) and send it back to us.

It's important to consider other debts you may have before making a decision to add to your super.

Add to your super with after-tax contributions - pdf, 228KB

Add to your super and retire with more - PDF, 296KB

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