After-tax personal contributions

You can make after-tax personal contributions to your super from your take-home salary, or from lump-sum amounts such as inheritance, lottery winnings or money from selling an asset such as a car, or your home.

Grow your super with your own after-tax contributions

Making an after-tax contribution to your super could help you:

• Increase your super balance - rather than relying on the amount your employer contributes, adding to your balance can lead to more money in your super when you retire, depending on market changes, which can impact your balance before and at retirement
• Be eligible for the Commonwealth Government Super Co-contribution - there are other criteria to meet to be eligible, but one of them is that you need to make an after-tax contribution to your super
• Pay less tax on what your super investments earn - the investment earnings on some investments may be taxed up to 49%, while earnings on GESB Super are only taxed at 15% (as West State Super and Gold State Super are untaxed funds, tax only applies when you access your benefit)
• Add to your super after you have reached your concessional contributions cap - if you’ve already reached your concessional contributions cap for your super contributions, you can still grow your super. You have the option to make after-tax contributions up to the higher non-concessional contributions cap

Contributions calculator

Work out how to make the most of your after-tax contributions.

By entering how much you are willing to give up from your take-home pay, we’ll estimate the most effective way for you to make your contributions.

Try our Contributions calculator

Find out how much you can contribute

Non-concessional or after-tax contributions are contributions usually made after income tax has already been deducted. Generally, you won’t need to pay any more tax on these amounts if you’re below your non-concessional contributions cap.

The non-concessional contributions cap for the 2023/24 financial year is $110,000 p.a¹.

There is a special arrangement when it comes to contributions, if you’re eligible

If aged under 75 at any time in the financial year, you can ‘bring forward’ one or two years of contributions depending on your total super balance on 30 June of the previous financial year. If your total super balance is less than $1.68 million, you can 'bring forward' two years of contributions i.e. if two years then $110,000 plus $220,000, giving you a cap of $330,000 over three years². We refer to this as the bring-forward rule.

The amount available under this bring-forward rule depends on your total super balance as at 30 June in the previous financial year.

How to make a personal contribution

There are several ways you can make an after-tax contribution. You can:

• Complete our online Payroll deduction form or download and complete our PDF form and give it to your employer
  Choose the after-tax option on the form
• Make a payment of $20 or more using BPAY
  All you need is your BPAY reference number and our biller code 182493. These details are available in Member Online. This can’t be used to roll over money from another super fund. Please note we are required to send you confirmation every time you make a contribution using BPAY.
• Pay by cheque or money order
  Simply complete a Super contributions form and send it to us with your payment.

1 For the 2023/24 financial year, indexed annually. This cap is equal to four times the general concessional contributions cap (which is currently $27,500).
2 The amount available under the bring-forward rule depends on your total super balance as at 30 June in the previous financial year. Where the bring-forward rule has been triggered, the future years' entitlements are not indexed and the contributions must be made before you turn 75 or within the 28 days following the end of the month in which you turn 75 years old. For more information, please read the Contributing to your super brochure.
® Registered to BPAY Pty Ltd ABN 69 079 137 518