After-tax contributions

After-tax or ‘non-concessional’ contributions are extra contributions you make from money you’ve already paid tax on, like your after-tax salary, an inheritance or a tax refund.

Potential benefits

Considerations

To be eligible to make after-tax contributions, your total super balance must be less than $1.7 million on 30 June of the previous financial year and you’ll need to supply your tax file number (TFN) to your super fund. If you haven’t already supplied your TFN to us, you can supply it in minutes by clicking the secure link below. You’ll also need to be aged less than 67 years of age or meet the Work Test or Work Test exemption requirements if you’re older than 67. 

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After-tax contributions are included in the non-concessional (after-tax) contributions cap. This cap is currently $110,000 pa, but you may be able to bring-forward up to three years’ worth of after-tax super contributions, depending on your total super balance and age. You should consider your debt levels before adding to your super.

Supply your TFN

Claiming the Government co-contribution

If your yearly before-tax income is less than $56,112, you could be eligible for a Government co-contribution if you make after-tax contributions to your super.^

Under the scheme, the Government matches 50 cents for every dollar you contribute to your super from your after-tax pay, up to a maximum of $500 pa. This co-contribution gets paid directly into your super account after you’ve lodged your tax return for that year, as long as your super fund has your tax file number.

Government co-contribution rates

Total income* Your contribution Co-contribution
$41,112 or less $1,000 $500
$47,112 $600 $300
$53,112 $200 $100
$56,112 or more  Any amount
$0

* Assessable income, plus reportable employer super contributions, plus reportable fringe benefits for the 2021/22 financial year.
If you claim a tax deduction for after-tax contributions, your contributions will be classed as before-tax (concessional) contributions and no longer eligible for the Government co-contribution.

Get your contribution in before 23 June to be eligible to claim this year

If you want to make a contribution before the end of this financial year, it will need to be submitted by 23 June. This will ensure your contribution is received and allocated to your account prior to the end of the financial year.

If you make a one-off contribution, using direct debit or BPAY, we’ll deduct the money from your bank account within 5 business days of receiving your request.

Ready to add to your super?

The easiest way to make after-tax contributions is through direct debit or BPAY. Click the button below, to log into your account and set up your direct debit or locate your BPAY details.

make a contribution
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