Make after-tax contributions

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

Log in and make a contribution

Want to add extra to your super? Log into your online account now to get started.

Make a contribution

Why you should consider adding to your super

Adding a little extra to your super is one of the best ways to grow your savings and achieve the retirement lifestyle you want. And contrary to what you might have seen or been told, you don’t need to chip in thousands to make a difference. Better still, the Government could match your contributions dollar for dollar to a maximum of $500 if you’re an eligible low income earner.

Of course, you should consider your debt levels, contribution caps that may apply and tax issues before adding to your super.

Minimise your costs, unsubscribe from any services you don't use, use public transport, switch to drinking percolated or instant coffee and bring work to lunch a couple of days a week.

The Government Co-contribution

If you have a yearly income of less than $53,564 (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.

If you want to make a contribution before the end of this financial year, it will need to be submitted by 19 June. This will ensure your contribution is received and allocated to your account prior to the end of the financial year.

Your total income* Your contribution Co-contribution
$38,564 $1,000 $500
$44,564 $600 $300
$50,564 $200 $100
$53,564 or more Any amount
$0

* Assessable income, plus reportable employer super contributions, plus reportable fringe benefits for the 2019/20 financial year.

How to get started

You can easily make additional contributions to your super through your online account. Log in to access your BPAY details or set up a direct debit.

make a contribution

You can also download and complete 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, 96KB

Add to your super and retire with more - pdf, 268KB

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