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Explore the many ways you can add to your super, on top of the contributions from your employer
From quick wins to setting up regular contributions, it's easy to add more to your super. Begin with a few simple checks to make sure your super is where it should be.
Check your super payments
Find your lost super
Combine your super
Paying money into your super from your before-tax salary means less income tax while you grow your retirement savings.
Even small amounts from your after-tax pay can build up your savings for a better future, and you may be eligible for a tax deduction.
If you're downsizing and aged 55 and over, you may be able to add money from the sale of your home to your super.
The First Home Super Saver Scheme (FHSSS) aims to make it easier and quicker to save for a deposit for your first home with your super.
Contributing to your spouse’s superannuation from your after-tax income could give you a tax offset of up to $540.
Move some of your before-tax contributions to your spouse's super and you both could benefit.
Some employers may make higher contributions to your super when you add your own contributions.
If you earn less than $37,000 per year, the government could refund the tax you pay on any before-tax contributions made to your super up to a maximum of $500.
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.
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.
If you're not sure what's the best way to add extra to your super, start by comparing options with this general guide. It's important to check the rules and details for each option and be aware of your contribution limits. You can easily find out how much you've already paid in after-tax contributions in Member Online.
Read our Personal Contributions Guide (pdf) for more information on boosting your super.
You can also use the Moneysmart super contributions optimiser to work out the best way to grow your super.
Deciding what's best for you will depend on your personal circumstances. As a member, you can get financial advice over the phone, to get the most from your super.