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A voluntary after-tax super contribution – also called a non-concessional or personal contribution – is money you choose to pay into your super fund from your after-tax income or savings. This is different from salary sacrificing (a concessional contribution) which happens before your income is taxed.
You can make voluntary after-tax contributions to your superannuation throughout the financial year – as a regular transfer or a one-off payment.
To find out more, download our Personal Contributions Guide (pdf).
There are some limits to how much you can contribute to your super fund each year. If you go above these limits, you may pay extra tax, so it's worth understanding how they work.
Making after-tax contributions is easy; you can make a one-off deposit or regular payments.
Get advice about growing your super over the phone, at no additional cost.3
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1. These figures are illustrative only and were calculated using the MoneySmart calculator www.moneysmart.gov.au (accessed 9 May 2019). The calculation assumes savings of $20 per week for a time period of 30 years, interest compounds monthly, earnings are reinvested and fully credited at the end of each month, and provides an estimate of the future value of savings, which could vary significantly over time if any change is made to these assumptions. The interest rate assumed is 6% p.a. and is net of fees and taxes. The information should not be used as a guide to future performance of any investment. Investment returns can be positive or negative and this does not guarantee a future outcome. The total saved does not take inflation into account. Check with your chosen savings product provider in regard to actual interest calculations. These figures are provided only to demonstrate the principle of compounding. They are not intended to represent projected returns in a QSuper Accumulation account.
2. Total income for the income year is the sum of assessable income, reportable fringe benefits amounts, and total reportable employer super contributions.
3. For Income and Accumulation account members who receive personal financial advice from QInvest (ABN 35 063 511 580, AFSL 238274), the QSuper Board may pay for some or all the advice fee for advice related to your QSuper benefit. Eligibility conditions apply. Refer to the Financial Services Guide for more information.