Spare change calculator

Making additional contributions as early as possible can make a big difference to your balance when you stop working. There’s several ways to boost your super balance, and you may even save yourself some tax at the same time.

We’re all at different stages in our lives, so it’s an individual decision. You need to consider if relying solely on the contributions your employer makes to your super will be enough to provide the lifestyle you want later.

Head to our Grow your super page for more.

There’s a few different ways to contribute extra to your account. You can make an after-tax contribution via BPAY (log in to Member Online for your BPAY Biller codes). You could also set up a salary sacrifice arrangement through your employer to make a before-tax contribution.

Your contribution limits or ‘caps’ will depend on how you are making your contribution — contributions are either before-tax (non-concessional) or after-tax (concessional).

If you do make contributions that exceed your caps you may have to pay additional tax.

To find out more, including the contribution limits for this financial year, visit our contribution caps page.