Why make extra 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.
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:
- Before-tax (known as concessional)
- After-tax (known as non-concessional)
They are taxed differently and different annual contribution caps apply.
Read the restrictions that apply to different types of contributions.
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 2025-26 financial year:
| Before-tax (Concessional) |
After-tax (Non-concessional) |
|
|---|---|---|
|
Types of contributions included |
Employer (including SG of 12%)
|
Personal
Spouse
|
|
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*
|
* Limits for the 2025/26 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. From 1 July 2021 to 30 June 2024, the before-tax contribution cap was $27,500, and from 1 July 2024 the before-tax contribution cap is $30,000
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.
Why add to your super?
We’ve created a library of videos that show you adding to super at any age can make a difference in retirement.
Three easy ways to make a personal contribution
Log in to your account to get your personal BPAY® reference and biller code or Electronic Funds Transfer (EFT) details.
Fill out the Direct debit application form and send it to Media Super.
Fill out our Personal contribution form and send it to Media Super. Due to banking changes, we are unable to accept cash or international cheques.
More to explore
Consolidating your super
Consolidating your super makes it easier to manage and grow your money. You'll stop paying unnecessary fees and insurance premiums.
Downsizer contributions
If you’re 55 years or older, you may be able to make a downsizer contribution of up to $300,000 to your super from the proceeds of your home.
Spouse contributions
Spouse contributions are designed to help couples boost the super balance of the partner who may not be working, is working part-time or is on a lower income.