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Make your voluntary super contribution, whenever you want

Simply add on top of what your employer has already paid (after-tax).

 Making that voluntary super contribution now, could mean more down the track. Plus you may be able to enjoy some tax deductions.

How to make voluntary super contributions

Add a little, or a lot, any way you want.

Bpay

BPAY®

Make payments direct from your bank account.

Get payment details
Direct debit

Direct Debit

Make a contribution via your bank account in the Rest App.

Contribute in Rest App

Your first home, made faster

The Government’s First Home Super Saver (FHSS) scheme is designed to help you save a deposit for your first home faster. You can add to your super by making your own extra voluntary contributions on top of what your employer pays. You can make before-tax contributions like Salary Sacrifice, or personal after-tax contributions.

Contribution limits apply.

Find out more

Things you should know

Want some tax back?

You may be able to claim a tax deduction for your after-tax contributions that you’ve made during the financial year.

If you’d like to claim a deduction on your personal contributions, you’ll need to complete and submit the Notice of intent to claim form in MemberAccess.  Login to MemberAccess and click on the ‘Want to claim your super on tax?’ banner.

This needs to happen by whichever of the following dates occurs first:

  • The day you lodge your tax return for the income year in which the personal contribution was made; or
  • Before the end of the income year following the year in which the contribution were made.

The after-tax contributions that you claim as a deduction will count towards your concessional contribution cap and they will be subject to contributions tax.

If you need to vary a deduction, complete this ATO form and email it to contact@rest.com.au.

For further information about eligibility or claiming a tax deduction, visit the Australian Taxation Office (ATO) website.

Contributions caps

There are limits or ‘caps’ on the amount of after-tax contributions you can make each financial year. The annual cap for after-tax contributions is $120,000 for 2024-25 However, if your total super balance is over $1.9 million on 30 June 2024, you won’t be able to make any after-tax contributions. Visit Rest's factsheet page or visit the Australian Taxation Office’s (ATO) website for more information on caps.

If you’re under age 75 and your total super balance on 30 June 2024 is less than $1.9 million, you may be able to bring forward up to three years' worth of contributions. The amount you can bring forward will depend on your total super balance and when you triggered the bring-forward rule. For more information on the bring-forward rule, see our Super facts & figures.

Exceeding the caps

Contributions that exceed the caps attract additional tax, you can find out more info on the ATO website.

Not sure what type of contribution you should make?

Check now

Note: If you’re aged between 67 and 74, you’ll need to meet the work test to claim a personal superannuation contribution deduction. From 1 July 2022 if you’re under age 75 you’ll no longer need to meet the work test for salary sacrifice and non-concessional (after tax) contributions, including spouse contributions. Click here to learn more about the work test.

*Rest Digital Advice ('Investment Choice Solution’, ‘Insurance Needs Analyser’ and ‘Contributions Optimiser’) is provided by Link Advice Pty Limited ABN 36 105 811 836 AFSL 258145 and is available at no additional cost for Rest members. Rest’s ‘Super Health Check’ and ‘Retirement Health Check’ solutions are provided by Rest at no additional cost to Rest members.