Add money to your super (Retirement)

It's never too early or too late to add to your super to help boost the money you’ll have for retirement.

Your employer needs to pay a minimum of 9.5% of your salary into your super account, known as the Superannuation Guarantee (SG).

These SG contributions help grow your super, but the best way to make sure you’ll enjoy a comfortable retirement, is to add your own money to your super account.

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Can salary sacrificing make a difference?

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Salary sacrificing means you make extra contributions from your before-tax income. The money you 'sacrifice' gets paid directly from your salary into your super account, before you pay income tax.

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How much can you add to your super?

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Since you pay less tax on the money you have in your super account, there are limits as to how much you or your employer can contribute.

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You can salary sacrifice to your super

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Meet Amanda:  Here’s an example of how salary sacrifice works, showing the tax benefits of making this type of contribution. Amanda’s annual salary is $70,000. She salary sacrifices $100 a week to her West State Super account.

Before-tax contributions

These are also called concessional contributions. Your employer SG contributions are a type of concessional contribution - and you can make your own concessional contributions with salary sacrifice or tax-deductible personal contributions.

After-tax contributions

These are also called non-concessional contributions because they come from the income that you’ve already paid tax on. Personal after-tax contributions and spouse or partner contributions are non-concessional contributions.

Other contributions

It’s worth learning about other ways you might be able to increase your super. You might be eligible for:

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Page last updated 27 March 2019