After-tax contributions
If you have extra cash, adding a little to your super today can go a long way for a better tomorrow
Benefits
By making after-tax (non-concessional) contributions you can:
Let's see how this can work
Patrick: age 40
No extra contributions
Super balance at age 67:
$489,100
Janet: age 40
Contributes $20 per week at age 40 from take-home pay.
Super balance at age 67:
$526,700
Sophia: age 40
Contributes $50 extra per week from age 40 from take-home pay.
Super balance at age 67:
$583,200
We used our Retirement lifestyle calculator (accessed 19 May 2026) to prepare these estimates. We used the following settings:
- salary is $80,000 per year (before tax)
- starting super balance of $120,000
- investment returns of 6% (net of investment fees and costs and transaction costs)
- super administration fees of $67.60 plus 0.15% of your account balance are applied each year, based on CareSuper’s fees disclosed as at 1 April 2026. Check our current super fees and costs.
- insurance fees of $300 per year apply
- inflation of 3.7% applies while you’re contributing to super
Retirement balances are at age 67 but are shown in today's dollars.
See for yourself
Check out our calculators to see how you could make the most of your super and retirement.
Know your limit
There are caps on how much you can contribute each year and if you go over, you may have to pay more tax.
Contribute now
You can make an after-tax contribution to your super through your online banking using your BPAY® details, available in Member Online.
You can also make an after-tax contribution via cheque. Make your cheque payable to 'CareSuper' and attach a completed Make a super contribution form.
Starting to dream about retirement?
