Making contributions

Making additional contributions to your super is 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.

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:

  • before-tax (known as concessional)
  • after-tax (known as non-concessional).

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 2021-22 financial year:

Types of contributions includedEmployer (including SG of 10%)

Salary sacrifice



Government co-contribution1
Contribution cap$27,5002 per year$110,000 per year

Individuals with a total superannuation balance of $1.6 million or more will have a non-concessional contributions cap of nil.

1. Government co-contributions are not counted towards your non-concessional contributions cap.
2. Indexed annually in line with Average Weekly Ordinary Time Earnings, in increments of $2,500 (rounded down).

What contribution strategy is best for you

If you're looking at making extra contributions to your super, we can help you figure out what type or mix of contributions is best for you. Use the Contributions Optimiser calculator to explore your options or let our team help you.