After tax contributions

Contributing from your take-home pay (also called non-concessional contributions) is simple—and gives you more control.

• Grow your super

  Even small amounts can add up over time

• Claim a tax deduction

  If eligible, you may reduce your taxable income

• Make flexible contributions

  Whenever it suits you

The ATO sets annual limits on how much you can contribute. Learn more about contribution caps. 

How to claim a deduction

If you’re making an after-tax contribution and want to claim a tax deduction, submit a Notice of Intent before lodging your tax return, and you’ll receive an Acknowledgement of Notice to include in your return.

Before-tax contributions

Before-tax contributions (also called salary sacrifice or concessional contributions) are made from your pre-tax income.

• May reduce your taxable income
• Are taxed at 15% going into super (instead of your marginal rate)
• Count towards your annual concessional cap

Check with your payroll team or financial adviser if you're considering salary sacrifice.

Spouse contributions

A simple way for your partner to support your super. These are after-tax contributions they can add directly into your account.

• Your partner doesn’t need to be in the same fund
• They can contribute using BPAY or a voluntary contributions form
• Depending on your income, they may even be eligible for a tax offset of up to $540. To find out more, visit the ATO website