Save for your future and pay less tax

Salary sacrifice to your super

Paying money into your super from your before-tax salary means less income tax while you grow your retirement savings.

Make voluntary contributions

Even small amounts from your after-tax pay each week or month can make a big difference to your savings, and you may be eligible for a tax deduction.

Top up your spouse's super

Contributing to your spouse’s super could attract a tax offset of up to $540.

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Get a bonus from the Government

Super co-contribution

If you’re on a lower income and make after-tax contributions to your super, the Government may reward you by adding even more to your balance.

Low income super tax offset

If you earn less than $37,000 per year, the Government could refund the tax you pay on any before-tax contributions up to a maximum of $500.

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Review your employer contributions

Employer superannuation guarantee

While you are working, your employer should pay a compulsory amount to your super.

Extra employer contributions

Some employers, including the Queensland Government, may also make higher contributions to your super.

Employer contributions
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Contribution caps

Making additional contributions to your super is a great way to grow your retirement savings, but there are limits to how much you can add. Too much can mean extra tax, so it pays to understand the contribution caps.