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Voluntary contributions


It all adds up

One of the best ways to add to your super is to make your own regular contributions, in addition to what your employer is already paying. You can also make a payment in one go. It's really up to you.

Just to give you some perspective, ASFA’s* Retirement Projector estimates that contributing an extra $50 a month could add thousands to your final retirement savings balance if you start early.

REST has a handy calculator that helps you explore how your additional contributions could make a difference to your overall position.


Contributions cap

After-tax contributions, also called non-concessional contributions, are monies added from your post-tax income. As you have already paid income tax on this money, it is not taxed again.  You can contribute up to a limit of $180,000 pa. If you are under age 65, you can contribute up to $540,000 in after-tax contributions in one year by bringing forward two years' worth of contributions. If you do this it means you cannot contribute any more for next two financial years.

It's important to note that this may change however, as on May 2016, the government proposed to introduce a $500,000 life-time after-tax contributions cap which will replace the existing annual cap of $180,000 and the $540,000 bring-forward rule.

The caps on after-tax contributions are:

aged up to 74*


$540,000/3 years^





Exceeding the caps

Contributions that exceed these limits attract an excess after-tax contributions tax, which is equivalent to the current top marginal rate plus Medicare Levy and the Temporary Budget Repair Levy if you leave these excess amounts in super. You have the option to withdraw the excess amount to avoid paying this tax.




How to make a contribution

It’s easy to make additional contribution payments into your REST or Acumen account via:

Make one-off or regular contributions from your bank account with your unique biller code and reference number, available in MemberAccess or on your member card.

Get payment details

Organise regular payments from your bank account or financial institution.

Get payment details

Ask your employer to make regular payments from your after-tax pay.

Get payment details

* Currently if you are aged between 65 and 74 you need to meet a work test to make these types of contributions
^Not applicable for people over 65

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