• Personal super contributions

    You can boost your super by adding your own contributions to your super fund or into your spouse’s super fund.

    Personal super contributions are the amounts you contribute to your super fund from your after-tax income (that is, from your take-home pay). These contributions:

    • are in addition to any compulsory super contributions your employer makes on your behalf
    • do not include super contributions made through a salary-sacrifice arrangement.

    Personal contributions are non-concessional (after-tax) contributions and will count towards your non-concessional contributions cap unless you have claimed a tax deduction for them.

    If you’re an employee you generally can’t claim a tax deduction for personal super contributions, though you may be eligible for a super co-contribution.

    If you wish to claim a tax deduction for personal contributions, you must complete and lodge a notice of intent with your super fund and have this notice acknowledged (in writing) by your fund.

    If you claim a deduction for your personal contributions, you may not be eligible for a super co-contribution.

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    Adding to super if you’re not working

    If you’re under 65, you can make personal after-tax contributions to your super fund if you’re not working.

    If you’re 65 years of age or over, you can only make personal after-tax super contributions if you:

    • aren’t yet 75 years of age and
    • have been gainfully employed for at least 40 hours over 30 consecutive days during the financial year.

    See also:

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    Duration 1:31. A transcript of Putting money into superannuation - after-tax contributions is also available.

    Last modified: 08 May 2015QC 23225