Making contributions

Making additional contributions to your super can be a simple and effective way of growing your retirement savings. You have a choice between making before or after-tax contributions. Knowing the difference between the two is crucial when it comes to growing your super in the most tax-efficient way.

How much super could you have at retirement?

Try our calculator to see what you could have, and how small changes could give you more.

Making contributions

If you're looking to maximise your retirement savings, making additional contributions to your super account can be a great way to boost your balance and potentially reduce your tax.

Everyone's in a different boat when it comes to finances, but if you can afford to, contributing even a small amount each month to your super can make a big difference to your retirement savings.

There are two types of super contributions:

They are  taxed differently  and different annual contribution caps apply.

Contribution caps

Annual caps apply to your super contributions. Any contributions received above the caps are taxed at a higher rate and will incur an interest charge.

Contribution limits for the 2024-25 financial year:

Types of contributions includedEmployer (including SG of 11.5%)

Salary sacrifice

Personal ( if you claim it as a tax deduction)


Government co-contribution1
Contribution cap$30,000 per year*

If you have less than $500,000 in super at the end of the financial year, you can carry forward any unused amounts in your before-tax contributions caps. Unused amounts carried forward expire after five years.
$120,000 per year*

If you’re under age 75, you may be able to contribute $360,000 in a three-year period.

* Limits for the 2024/25 financial year. Your total super balance across all accounts also affects these limits. For more information, contact us.

Until 30 June 2021 the before-tax contributions cap was $25,000, and from 1 July 2021 to 30 June 2024, the before-tax contribution cap was $27,500.

Top up my super

You can grow your super faster by making personal payments into your account.

You can pay money that’s already been taxed, straight into your super account. If you have a little extra from your take home pay, additional savings or an inheritance, you can make non-concessional contributions to boost your superannuation.

Three easy ways to make a personal contribution

We're here to help

We can help you with any questions you might have about contributions, investment options or your account.