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SuperGuide

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Home / How super works / Contributing to super

Contributing to super

Contributing to super

Making super contributions is one of the most effective ways to boost your super balance as well as reduce your tax bill.

Annual contribution caps (limits) put a lid on the amount you can contribute each financial year, but can be flexible if you’re able to use the carry forward or bring forward rules.

Find out all you need to know to make the most of your contributions without falling foul of the rules here.

These guides explain who can contribute to super, and how much can be contributed.

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Making superannuation contributions: Super for beginners guide

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Concessional super contributions guide (2024-25)

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Non-concessional super contributions guide (2024–25)

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

How do tax-deductible superannuation contributions work?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

How is my Total Superannuation Balance (TSB) calculated?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

What to do if you exceed your super contributions caps

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

How LISTO works (Low Income Superannuation Tax Offset)

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Understanding the difference between your total super balance and your transfer balance cap

Find out how much should your employer contribute (and how often) in the following guides.

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Superannuation Guarantee contributions rate and rules

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

What to do if your employer doesn’t pay your super

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

How the Division 293 tax works: Super surcharge for high earners

Grow your super savings with a range of other contribution options.

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

What are the current work test rules for super contributions?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Salary sacrifice and super: How does it work?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Quiz: Boosting your super with super contributions

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

A super guide to the bring-forward rule

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

How carry-forward (catch-up) super contributions work

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Downsizer super contributions: Rules and eligibility

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Webinar: Downsizer super contributions

Learn strategies to boost your super balances through additional super contributions.

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

How to make the most of your super contributions

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

How to use the Moneysmart Superannuation calculator

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Case studies: How to make the most of higher contribution caps

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

How to use the Moneysmart Super contributions optimiser

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Super recontribution strategy: How it works

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Why it can pay to put as much as possible into super

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

How to take advantage of the increased Transfer Balance Cap

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Super or mortgage: Where should I put my extra savings?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Making super contributions after age 60: Even in retirement

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

New contribution strategies for retirees

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Case study: Making super contributions from compensation payments

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

What you need to know about investing an inheritance into super

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Q&A: Can non-concessional contributions be made if the Transfer Balance Cap has been reached?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Q&A: What are the benefits of spouse super equalisation strategies?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

What do the 2024 tax cuts mean for your super contributions?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Contribution cap increases: Issues to consider

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Reducing tax on capital gains with super contributions

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Q&A: What to consider with unused concessional contribution tax claims?

Q&A: Does the frequency of my employer contributions affect my portfolio growth?

Case study: Combining downsizer and non-concessional contributions

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SuperGuide is Australia’s leading superannuation and retirement planning website.

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.

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All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

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