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.
Concessional super contributions guide (2025-26)
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Non-concessional super contributions guide (2025–26)
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How do tax-deductible superannuation contributions work?
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How is my Total Superannuation Balance (TSB) calculated?
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What to do if you exceed your super contributions caps
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Understanding the difference between your total super balance and your transfer balance cap
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Find out how much should your employer contribute (and how often) in the following guides.
Superannuation Guarantee contributions rate and rules
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How the Division 293 tax works: Super surcharge for high earners
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Grow your super savings with a range of other contribution options.
What are the current work test rules for super contributions?
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Salary sacrifice and super: How does it work?
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Quiz: Boosting your super with super contributions
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A super guide to the bring-forward rule
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Downsizer super contributions: Rules and eligibility
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Webinar: Downsizer super contributions
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Learn strategies to boost your super balances through additional super contributions.
How to make the most of your super contributions
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Case studies: How to make the most of higher contribution caps
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How to use the Moneysmart Super contributions optimiser
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Why it can pay to put as much as possible into super
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Super recontribution strategy: How it works
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Super or mortgage: Where should I put my extra savings?
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Making super contributions after age 60: Even in retirement
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New contribution strategies for retirees
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Case study: Making super contributions from compensation payments
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What you need to know about investing an inheritance into super
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Case study: Combining downsizer and non-concessional contributions
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Q&A: Does the frequency of my employer contributions affect my portfolio growth?
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Q&A: Can non-concessional contributions be made if the Transfer Balance Cap has been reached?
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Q&A: What are the benefits of spouse super equalisation strategies?
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Contribution cap increases: Issues to consider
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Reducing tax on capital gains with super contributions
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Q&A: What to consider with unused concessional contribution tax claims?
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