Contribute more

Contributing extra now can have a big impact later. Putting even a few dollars extra into your super each week could significantly boost your retirement savings and may even lower your taxable income.


What are the benefits of contributing more?

Life happens. As much as we try to have all parts of our lives under control, it’s natural to let some things slide. And you may be tempted to set-and-forget super, but making extra contributions is a great way to boost your retirement nest egg and pay less tax at the same time.

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Make your money work hard for you

Thanks to the power of compound interest, every extra dollar you contribute will be reinvested again and again, growing your savings faster.

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Put your dollars into retirement, not tax

Making a before-tax contribution could reduce your taxable income, essentially converting your tax dollars into retirement savings.

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Give yourself the lifestyle you deserve

You deserve a great life after work. Contributing extra today could mean being able to have the lifestyle you imagine for yourself in retirement.


Know your contribution limits

There are limits on how much you can contribute to your super each year, and it’s up to you to watch how much you’ve contributed.

Luckily, it’s easy to keep track of your contributions with your iQ Super account. Log in to your account or download the app, and you can view all your contributions for the financial year.

For more information, read the Contribution Limits Fact Sheet.


Which contribution method works for you?

You can make before-tax (or concessional) contributions via Salary Sacrifice, which means paying part of your salary into your super (‘sacrifice’) before income tax has been calculated. This way you’ll have less taxable income, plus your salary sacrifice amount gets taxed at only 15%.

If you receive some extra cash (such as an inheritance, a bonus or a tax return), making an after-tax (or non-concessional) contribution can be a great investment option—as well as benefiting from super’s tax-friendly environment.

You can help boost your spouse’s (or de facto partner’s) retirement savings by making a contribution to their super account. This can be a good idea if your spouse is a stay at home parent or has had time out of the workforce—and if they are a low-income earner, you may be eligible for a tax offset.

There are two ways:

  1. You can make a before-tax contribution and split your super with your spouse, once a financial year. Read the Spouse Contribution Splitting Fact Sheet to find out more.

  2. You can make an after-tax super contribution to your spouse’s super account. While you may be eligible to a tax rebate of up to $540 a year, the contributions you make for your spouse count towards their after-tax contribution limit.

This is designed to help boost the retirement savings of low or middle-income earners. Based on your income, the government could make a super contribution up to a maximum of $500 per financial year.

If you earn $37,000 or less a year, you may be eligible to receive a LISTO payment directly into your super account, provided you’ve given your Tax File Number to us. The maximum payment you can receive for a financial year is $500, and the minimum is $10.

The Concessional Contribution Limits for Defined Benefit Members Fact Sheet has some useful information on how to contribute extra, and the contribution limits that apply, especially if you are salary sacrificing additional amounts to your super.

The process is a little complex, but you can make a tax-deductible contribution.

Can’t decide between before and after-tax contributions? Read the Salary Sacrifice vs After-tax Contributions Fact Sheet.

You can also use GoalTracker® to see the impact of different types and amounts of extra contributions, before actually going ahead.


How to contribute extra into your super

Before-tax contributions

Check with your employer if they offer Salary Sacrificing, and if so, simply give your employer a completed Contributions Form, so they can start making payments to your account with us.

After-tax contributions

It’s very simple. Just use BPAY®:

Biller code: 646596

Reference number: Your Customer Reference Number (which you can find in your Welcome Pack). 

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Spouse contributions

To make a before-tax contribution to your spouse’s super account, use the Contribution Splitting Application Form. To make an after-tax contribution, use the Spouse Contribution Form.

Government co-contribution

When you lodge your tax return, the Australian Taxation Office (ATO) will work out if you're eligible and, provided you’ve given your Tax File Number to us, automatically pay it to your super account.

Low Income Super Tax Offset

If you’ve given us your Tax File Number, you don’t need to take any further action to receive this payment—the ATO will take care of the rest.

In a Defined Benefit plan or self-employed?


Call us on 1800 555 667 and we’ll talk you through what needs to be done.


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