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Don't miss the 26 June deadline. Make a contribution[S1] and save on tax.

EOFY is a great time to review your finances, make a contribution,[S1] and make sure you’re set for a super future. Here’s all the important info you need to make a contribution.

Save on tax

You may be able to make a tax deduction if you add extra to your super.[S1] You could also be eligible for a government co-contribution of up to $500.[S3]

Boost your savings

Whether it’s a little or a lot, adding more to your super now can make a real difference for your future savings.[S1]

Quick and easy

It’s easy to add to your super through Member Online, through our BPAY® and consolidation tools.

Add to your super

How to save on tax & get a government boost

Adding money to your super from your take home pay can be a great way to grow your super balance and could reduce your tax.[S1] That’s because if you claim a tax deduction, eligible contributions are taxed at only 15% instead of your income tax rate, which could be as high as 45%1.

You can easily set up one-off or recurring personal, after-tax contributions into your super account via direct debit or BPAY®. And, it’s easy to claim your tax deduction online through Member Online.

Add your super

How to claim a tax deduction

Notify us

Complete a Notice of Intent to Claim form on Member Online to claim a tax deduction for any personal contributions you've made for the financial year.

Receive your confirmation letter

We will send you a letter telling you we have received your valid notice. You'll need this letter before lodging your tax return.

Complete and lodge your tax return

Make sure you claim the amount of money you stated on your Notice of Intent to Claim form.

Complete your form

The benefits of adding to your super

See how topping up her super helps Mary

45-year-old Mary earns $92,000 a year. By topping her super up by an extra $3,500, she saves $595 on tax now. Plus, she’ll have an extra $5,000 in her super account at retirement.2

Important July 1 changes to your super

From 1 July 2025, the super guarantee, that is - the percentage of your wage that your employer is required to pay into your super account, will increase from 11.5% to 12.0%

Refer to the Australian Taxation Office (ATO) website for full details.

The government-funded Paid Parental Leave (PPL) will begin on 1 July 2025. From 1 July 2026, payments will be made directly to individuals' superannuation funds. This policy is designed to reduce the impact of career breaks taken to care for young children on superannuation balances.

Learn more about contributions

Here’s everything you need to know about after-tax personal contributions.

Learn more

 

1 An additional 15% may apply to your contributions if your combined income and before-tax super contributions is over $250,000.

2 Retirement balances are rounded to the nearest $1,000 and are stated in today's dollars, deflated using Average Weekly Ordinary Time Earnings (AWOTE) at 3.5% p.a. Retirement age is assumed to be 67. Projected Retirement Balances are rounded to the nearest $1000. Based on SG of 11.0% for 2023/2024, and then increasing each financial year by 0.5% until it reaches 12% on 1 July 2025 (where it will remain at 12%). Based on 2023/24 income tax rates for the PDC and 2024/2025 income tax rates for the remainder of the contribution. Investment returns are based on the Aware Super MySuper Lifecycle option, assumed to be CPI + 4% p.a. until age 55, reducing from CPI + 4% p.a. to CPI + 2.75% p.a. between the ages 55-65 (inclusive) and CPI + 2.75% p.a. from age 65 onwards. Insurance premium is assumed to be the average for members with default insurance arrangements, indexed with AWOTE of 3.5% p.a. This example is for illustrative purposes only and is not intended to provide a forecast or guarantee on outcome; approximately two-thirds of Aware Super members are female (as of 1 May 2025). It is a broad illustration of the steps a member could take, but the actions appropriate for an individual will vary depending on their personal circumstances. The case study is based on current regulatory requirements and laws, including tax rates, which may be subject to change. Investment return assumptions are for illustrative purposes only and for simplicity assume an CPI plus investment objectives as the return each year throughout the investment period. Actual returns year on year may vary materially and could be negative. If investment returns/inflation are higher/lower, final balances will differ. Before contributing, consider the relevant superannuation thresholds including the current annual limit for all before-tax contributions and after-tax contributions. Exceeding any of these thresholds, may reduce any tax benefits you could receive. For further information see aware.com.au/grow

[A4] The Aware Super app was awarded Bronze Stevie Award at the 2022 International Business Awards. For more information see: Search All Past Stevie® Winners and Finalists | Stevie Awards.

[L1] ®Registered to BPAY Pty Ltd (ABN 69 079 137 518)

[S1] Before contributing, consider the current annual contribution limits. Exceeding these limits may reduce any tax benefits you could receive. Visit aware.com.au/grow.

[S3] Check your eligibility for the government's super co-contribution before acting on this information.