Put extra into your super

Put extra into your super

Even though compulsory super is intended to fund your retirement, it may not be enough to provide you with the lifestyle you want. There are a number of ways you can save more towards your retirement. The best way for you will depend on your individual circumstances but the main options are summarised in the following table:

Salary sacrifice

After tax contributions

LISC and Government co-contributions

Spouse contributions

You may be able to arrange for your employer to put some of your before-tax salary into your super (concessional contributions).


Generally 15% tax applies to salary sacrifice contributions , rather than your marginal tax (which could be up to 46.5%). There are limits on the amount of concessional contributions you can make per year before additional taxes apply.

You may be able to put additional money into your super using your after-tax salary or savings (non-concessional contributions.


After tax contributions are generally tax free. There are limits on how much you can contribute per year before taxes apply.

LISC overview:
If you are eligible, earn $37,000 p.a. or less and you or your employer makes a before-tax contribution, the Government may rebate up to $500 into your super fund.


Government co-contribution overview:
If you are eligible, earn under $48,516 p.a. and make an after-tax super contribution, the Government may contribute up to $500 into your super.

You have to meet certain criteria and the amount you receive depends on your income and how much you contribute.

If your spouse earns $13,800 p.a. or less, you may be able to make an after-tax contribution into their super and claim a tax offset.


The tax offset you may receive depends on your spouse’s income. This strategy may boost the super of a spouse who has low retirement savings.

What next?
Talk to your employer and provide them with details on how to make the salary sacrifice payments into your OnePath account. Download our Salary Sacrifice fact sheet for more information.

What next?
Download our Contributions instructions to find out how to make a contribution into your account.

What next?
Download our Low Income Superannuation Contribution fact sheet or Government co-contribution fact sheet to find out if you are eligible and how to contribute.

What next?
Download our Spouse contributions fact sheet to find out more, including how to contribute.

View the short video below for more information on contributing to your super.

Related support materials

Here are some pother resources that may help you: