After-tax contributions
Adding a little extra to your super can help you build your balance over time. You can top up your account as a one-off or contribute regularly. If you’re not sure where to start, we’re here to help.
What are after-tax contributions?
After-tax contributions are extra payments you make into your super from your take-home pay (after tax). You can contribute from your savings or money you’ve received, such as an inheritance.
They’re also known as personal contributions or non-concessional contributions.
After-tax contributions are different from the Super Guarantee (SG) contributions your employer pays, or salary sacrifice contributions made from your before-tax salary.
You can make a one-off after-tax payment or set up regular contributions.
Benefits of after-tax contributions
Grow your super faster
Even small, regular contributions can add up over time.
Pay less tax on investment earnings
Investment earnings in super are generally taxed at a lower rate than earnings outside super.
Receive a co-contribution
If you meet eligibility rules, the government may add extra money to your super when you contribute after tax.
Super contributions calculator
Use our calculator to see what extra after-tax contributions could mean for your balance over time.
How to make an after-tax contribution
Choose the option that suits you.
BPay or EFT
Log into your firstonline account to find your BPay details or how to make an Electronic Funds Transfer (EFT).
Employer Payroll
You can ask your employer to make extra contributions from your after-tax pay. Complete our Contribution Form and hand it to your payroll.
Cheque
Complete our Contribution Form and mail it to us with your cheque.
Super co-contribution
If you make an eligible after-tax contribution, the government may add extra to your super:
- The government pays 50 cents for every $1 you contribute, up to $500 per financial year
- In 2025/26, the full co-contribution may apply if your total income is $47,488 or less
- A reduced amount may apply if your income is between $47,488 and $62,488 (2025/26)
Contribution caps
There are limits on how much you can contribute each financial year. These limits apply across all super funds.
Annual after-tax cap
The after-tax contributions cap is $120,000 per year (2025/26).
Bring-forward rule
If you’re eligible, you may be able to contribute up to $360,000 in one year by bringing forward future years’ caps.
How much you can bring forward depends on your total super balance at 30 June of the previous financial year:
Bring-forward thresholds (2025/26 financial year)
- Total super balance under $1.76m: up to $360,000 (3 year bring-forward period)
- $1.76m to under $1.88m: up to $240,000 (2 year bring-forward period)
- $1.88m to under $2.0m: up to $120,000 (no bring-forward)
Age and timing
Rules about making contributions can depend on your age and circumstances. In some cases, super funds can’t accept certain personal contributions after a particular time.
If you’re close to turning 75 (or you’re unsure what applies to you), contact us before you contribute. We’ll help you check whether your contribution can be accepted and what timing applies.
Other ways to add to your super
- Salary sacrifice (before-tax contributions)
- Claiming a tax deduction for personal contributions
We’re here to help. So, let’s talk.
If you have any questions, please don’t hesitate to call our Member Services team on 1300 360 988, or email us.