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Boost your super this EOFY
Adding extra to your super can make a real difference to your retirement. We'll help you understand your options and make it easy to act.
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Don’t leave it to the last minute
If you’re planning to top up your super and you’re eligible to get a tax benefit, timing matters. Be sure to top up before 26 June. (Earlier is always better.)
See EOFY important dates
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Three ways to top up your super

There are a few different ways to add extra to your super.[S1] The main difference is where the money comes from - your pay, your take‑home money, or a government boost if you’re eligible.

What’s a before‑tax contribution?
Even small before‑tax contributions can help grow your retirement savings. This can include money your employer pays into your super, extra contributions made through your salary, or personal contributions you choose to add.
Learn more about before-tax
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What’s an after‑tax contribution? 
After‑tax contributions are added to your super from your take‑home pay to help grow your balance. They can include contributions you make for a spouse, downsizer contributions, or government co‑contributions.
Learn more about after-tax
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Eligible for government co-contribution?
You may be able to receive extra money added to your super from the government, based on your income and personal contributions.
Check eligibility details
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Before you top up, check out these videos

If you’d like to go a bit deeper on any of these topics, these short videos are a great place to start.

Your super

What's my total super balance?

Learn what your ‘total super balance’ means and how it could effect you at tax time - including any accumulation or retirement accounts you may have.

After-tax

What are personal deductible contribtions?

These contributions are from money that we pay into our super account that can be claimed as tax deduction. They’re made from your after-tax income. Learn how it works, and how you’ll:

  • Make a contribution
  • Tell your super fund you’re claiming it as a tax deduction
  • File your return and claim a deduction.
Before-tax

What's the carry forward rule?

The annual before-tax contribution cap is $30,000. But if you didn’t reach the contribution cap from previous years, you may be able to carry forward unused caps from up to five previous financial years. Eligibility depends on your total super balance and other conditions.

Ready to act? Here's how to do it

Once you've decided which contribution is right for you, these short step-by-step videos will walk you through exactly what to do in Member Online.

How to make a direct debit contribution
The quickest way to add to your super. Watch this short video and you'll be set up in minutes.
Watch a step-by-step video
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How to make a tax deductible claim
If you're claiming a deduction on a personal contribution, you need to do this before you lodge your return. Here's exactly how.
Watch a step-by-step tutorial
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Prefer to talk it through?
Book a Super Helpful Check-in
Super Helpful Check-in
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FAQs

To help make sure your contribution is counted this financial year, aim to contribute by 26 June.

Your contribution must be received by 30 June, and bank processing times can vary, so it’s best to allow a few extra days.

Before-tax contributions are paid into your super from your income before tax (like employer contributions or salary sacrifice).

After-tax contributions are made from your take-home pay or savings. If you’re eligible, you may be able to claim a tax deduction on these.

If you’ve added money to your super from your take-home pay, you may be able to claim a tax deduction.

To do this, you’ll need to submit a Notice of Intent to claim and receive confirmation from us before lodging your tax return.

It can take a few business days for your contribution to be received and processed, depending on your bank.

To help ensure it’s counted in the right financial year, allow enough time before EOFY.

If you’re close to retirement, it’s worth considering how extra contributions fit your overall plans, including contribution limits and timing.

You may also want to consider getting financial advice to help you decide what’s right for you.

[S1] Before contributing, consider the current annual contribution limits. Exceeding these limits may reduce any tax benefits you could receive. Visit Grow your super for more information.