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Growing your super

Grow your super through your employer's contributions, voluntary contributions and available government contributions.

Last updated 1 August 2023

Your superannuation investment grows through:

Your pre-tax income contributions (other than super guarantee) are your reportable super contributions, which:

  • appear on your online income statement or payment summary at the end of the income year
  • are not included in your assessable income, but are taken into account in income tests for some benefits, concessions and obligations administered by the ATO and Centrelink.

Caps apply to the amounts that can be contributed to your super each financial year. If you go over these caps, you may have to pay extra tax.

While there are restrictions on contributions, and your total super balance affects how the super rules apply to you, there is no limit on the total amount you can hold in accumulation phase in one or more super funds.

Main categories of superannuation contributions

Figure shows the main categories of super contributions, specifically what is included in concessional and non-concessional contributions on the one hand, and on the other the overlapping categories of reportable and voluntary contributions

Use ATO online services to find out how much super you have based on what super funds report to us.

If you don't have a myGov account, create one and link it to the ATO.

You can also use ATO online services to consolidate your super accounts and find any accounts you've lost touch with, including unclaimed super that has been transferred to us.

To help compare options and choose a super fund that meets your needs you can: