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 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 2026-27, the full co-contribution may apply if your total income is $49,293 or less
- A reduced amount may apply if your income is between $49,293 and $64,293 (2026-27)
After-tax contribution caps
There are limits on how much you can add to tour super in any one financial year. These limits apply across all super funds.
The after-tax contribution cap for 2026-27 financial year is $130,000.
Bring-forward rule
You may add more after-tax contributions to your super using the bring-forward rules.
If you’re eligible, you may be able to contribute up to $390,000 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 for 2026-27 financial year
If your total super balance on 30 June 2026 was:
- below $1.84 million you can bring forward up to $390,000 (3 year bring-forward period)
- at $1.84 million or above and under $1.97 million: you can bring forward up to $260,000 (2 year bring-forward period)
- at $1.97 million or above you cannot bring forward any amount, but you can still make a current year contribution of up to $130,000
- $2.1 Million or above you will not be able to make any after-tax contributions without paying additional tax.
- You need to be under 75 years to use the bring-forward rule.
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 after-tax contributions
We’re here to help, so get in touch.
If you have any questions, please don’t hesitate to call our Member Services team on 1300 360 988, or email us.