Depending on your age and situation, there are many options available to get more money into your super.

All of these types of contributions have different positives and negatives, depending on your particular situation. Learn more details about the different types and if they might work for you using the resources linked from this page.

Different types of contributions include:

  • Salary sacrifice
  • Regular post-tax, or after-tax, contributions through your payroll
  • One-off contributions from your bank account
  • Spouse contributions
  • Splitting contributions with your spouse
  • Downsizer contributions (available if you are 60 years old or older)*
  • Government co-contribution (available to low income earners)*

A great place to start to learn more could be our Types of Contributions webpage.

 

*Conditions and eligibility criteria apply. Please see the ATO for more information.

Vary your contribution

If you already make contributions to your super and want to change the amount, or if are about to get started making contributions and you already know how you want to contribute, use our quick form.

Fill in the details and send it directly to your payroll team for action.

Vary your contribution

How making extra contributions can make a difference

Voluntary contributions

Learn about the different ways you can make contributions to your super.

(2:00 minutes)

How much do you need at retirement?

How will you know if you have enough for retirement? This video will help.

(1:20 minutes)

Annual limits on the amount you can contribute

Before you start making extra contributions, check that you’re within the annual government caps so you don’t get penalised with extra tax.

(1:47 minutes)

Under 35? How are you tracking?

If you are under 35, you probably haven’t given a great deal of thought to your super, but starting young could give you the best head start.

(50 seconds)

The difference of starting early

See what a small contribution while you’re young can do for you by retirement.

(2:20 minutes)

Claim a tax deduction

Certain contributions may be tax deductible.

(58 seconds)

Swapping 1 coffee for your future: fact check

We fact check whether contributing the cost of your daily coffee to super can make a difference at retirement.

(1:18 minutes)

Combining super accounts

A case study on the difference that rolling your super accounts into one could make.

(2:11 minutes)

Arrived to super late?

If you arrived in Australia after you’d already started your working life, your super balance may not be quite as high as you’d like. Find out more about building your super from a late-starting base.

(2:35 minutes)

Does delaying make a difference?

The earlier you make contributions to your super, the longer it has to grow before you need it at retirement. Find out more in our case study video.

(2:50 minutes)

Do you have an overseas pension?

If you have a retirement savings account overseas, you need to be aware of all the rules, tax implications and laws about moving your account to Australia.

A little now, more in the future

Read a quick case study on the power of compounding interest and how your money could grow.

What difference can 2% make?

Small differences now can make a big difference by the time you get to retirement. Read more about the difference just a couple of percent can make.

Read more

Do you have enough?

Use our quick ready reckoner to discover if you have the amount of super right now to put you on the track to a ‘comfortable retirement’.

If you don’t have enough, or if you’d like to have a wealthier retirement than merely ‘comfortable’, there are lots of other tips on this page to help you get more money into super.

Do you have enough?

Are you on track?

It’s one thing to know how much you might have at retirement, but do you know what that lump sum dollar value at retirement means for your retirement lifestyle? Find out!

Learn more

Forms and page links

Here are some of the forms and other resources that might be useful as you think about adding to your super.

Want to access our other forms, pages and calculators? See the Forms and Publications page.

Vary my contribution form

Complete the form and forward it to your payroll to get started making regular contributions

Lump sum contribution form

If you want to make a one-off lump sum contribution to your super, you can. Use this form

my.Gov.au

Easily roll in your other super using your myGov account – no paperwork, no fuss!

Notice of intent to claim a tax deduction form

If you are planning to claim a tax deduction on your personal contributions, you’ll need to use this form.

Rollover into ElectricSuper

You can easily and quickly roll other super into ElectricSuper using your myGov account. Read more about it in our Reunite Your Super story.

If you don’t have a myGov account, you may need to do it the old-fashioned way using a paper form. Luckily, we’ve got just the thing.

Recontributing COVID-19 withdrawals

If you accessed your super early under COVID-19 provisions, you can now put some or all of it back into super without those amounts counting towards your annual caps.

Use this form.

Click these ElectricSuper links to learn more about contributions

Annual contribution limits

 

Types of contributions

 

Tax on contributions

 

Learn about the positives and negatives of rolling other super into ElectricSuper

 

Watch our video about downsizer contributions, and changes to the work test (for members over 60)

 

The Australian Taxation Office website is also a great resource for information on super limits and the taxation and penalties that may apply if you breach the limits. Use their search bar to find information on ‘contributions’ and more.

ato.gov.au

 

You can roll other super into your ElectricSuper account using your myGov account

myGov

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