Grow your super

Making an additional contribution to your super is, well, super easy.

 The only question is, how do you want to make your contributions?1

1. The government limits how much you can contribute. If you contribute too much, you may have to pay extra tax.

Voluntary super contributions

Spouse Contributions

Super for low income earners


2. The amount of government co-contribution you can receive depends on how much you contribute and what your income is.

Voluntary super contributions

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Personal super contributions

Understand personal super contributions with Rest Super. Check eligibility, benefits, and easy steps to contribute towards your retirement savings.

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Voluntary contributions

Top up your super whenever you feel like it and you could enjoy some tax deductions.

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Salary Sacrifice (before tax)

Get your employer to make extra payments before you get paid and reduce your taxable income.

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First home super saver scheme (FHSS)

The Government’s First Home Super Saver (FHSS) scheme means eligible first home buyers can use their super to help save for a deposit. 

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Contribution caps

There are limits on how much money you can contribute to your super each financial year.

These are called contributions caps.

Spouse Contributions

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Spouse Contributions (after tax)

Grow your partner's super with an after-tax contribution and enjoy a potential tax rebate of up to $540 pa, if eligible.

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Contribution splitting

Contribution splitting is when you transfer part of your concessional contributions (before-tax contributions) into your spouse’s super account.

Super for low income earners

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Government co-contributions

Enjoy a potential super boost of up to $500 pa2 thanks to the government, if eligible.

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Low income super tax offset

Saving for retirement isn't always easy if you're on a low income, but the low-income super tax offset (LISTO) is a government scheme that could help boost your nest egg.

2. The amount of government co-contribution you can receive depends on how much you contribute and what your income is.