Plant the seed for your future self

Growing your super with voluntary contributions is much like growing a garden

After you plant the seed or make a contribution, they both take time, patience and care to blossom. Taking small actions today can help grow your super to its full potential and make a big difference for your future.

How can I make it grow?

It’s as simple as adding a little extra of your income to your super after you get paid (after tax), on top of what your employer pays. You can add a few dollars each payday or make one off payments – it’s really up to you!

Ways to top up

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Make one-off or regular payments from your bank account

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Direct Debit

Make one off or monthly contributions from your bank account in the Rest App

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Payroll Deduction

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

Try our small change, big savings calculator and discover how switching out everyday items can really add up!

Want to help boost your retirement savings while potentially saving on tax?

8 super strategies that may benefit you this EOFY

Start saving for your house deposit

The Government’s First Home Super Saver (FHSS) scheme can help you save a deposit for your first home faster, all without touching your existing super. With the FHSS, you can make extra contributions on top of the super your employer pays.

Things you should know

Contributions caps

There are limits or ‘caps’ as to the amount of after-tax contributions you can make each financial year. The annual cap for after-tax contributions is $110,000 for 2021-22 However, if your total super balance is over $1.7 million on 30 June 2021, you won’t be able to make any after-tax contributions1. Visit or visit the Australian Taxation Office’s (ATO) website for more information on caps.

If you’re under age 67 and your total super balance on 30 June 2021 is less than $1.7 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 these limits attract additional tax, you can find out more info on the ATO's website.

Want some tax back?

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

To claim a tax deduction, you need to submit a 'Notice of intent to claim or vary a deduction for personal super contributions' to Rest.

This needs to happen (depending what occurs first):

  • Before you lodge your tax return for that year
  • The end of the following year which the contributions 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. You can find details about eligibility on the form, or for more information, see the ATO's website.


With our help and advice on your side, it’s easier to feel confident about your financial future. Have a chat with a Rest Adviser and see how you could get your contributions working harder.

® Registered to BPAY Pty Ltd ABN 69 079 137 518 1.

1. If you’re aged between 67 to 74, you’ll need to meet the Government’s work test to make contributions to your super. The Government has proposed to remove the work test requirement from 1 July 2022. This applies to salary sacrifice and non-concessional (after tax) contributions, including spouse contributions. The work test will continue to apply for personal deductible contributions. To learn more about the work test, go to

2.Rest financial advice is provided by Rest Advisers as authorised representatives of Link Advice Pty Ltd ABN 36 105 811 836 AFSL 258145.

This website is provided by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 24 0003, trustee of Retail Employees Superannuation Trust ABN 62 653 671 394. It contains general advice that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness and the relevant Product Disclosure Statement (PDS), which is available at