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:

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Save tax on investment earnings

The most you pay on the money your super earns is 15%, while you could pay up to 47% tax on investment earnings outside super in 2025-26.

Get a top up from the government

If you earn less than $62,488 before-tax in 2025-26 you could be eligible for a government co-contribution of up to $500. 

 
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Claim a tax deduction

You may be able to claim a deduction for after-tax contributions to help lower your tax bill. This changes them to before-tax contributions. 

 

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. 

Contribution limits

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.


® Registered to BPAY Pty Ltd ABN 69 079 137 518.
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Need some help?

If you have any questions about making contributions, we're here to help. You can call us on 1800 005 166, 8am-7pm weekdays (AET)

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Interpreter services: Call TIS National on 131 450 to pre-book an interpreter. More info

National Relay Service: For Deaf or hearing/speech impaired, contact us via TTY 133 677, Speak & Listen 1300 555 727, or SMS 0423 677 767. Ask for CareSuper on 1800 005 166. We’re here to support you every step of the way