Personal superannuation contributions overview

Adding your own contributions to your super fund is a simple and effective way to boost your superannuation. Personal super contributions are amounts an individual contributes to their super fund from their after-tax income. These contributions are in addition to any compulsory super contributions an individual’s employer makes on their behalf and do not include super contributions made through a salary-sacrifice arrangement. Personal contributions are non-concessional (after-tax) contributions that count towards a person’s non-concessional contributions cap, unless they have claimed a tax deduction for them. While employees generally can’t claim a tax deduction for personal super contributions, they may be eligible for a super co-contribution. Those who are under the age of 65 can make personal after-tax contributions to their super fund if they’re not working. Those who are 65 years of age or over can only make personal after-tax..