• Skip to primary navigation
  • Skip to main content
  • Skip to footer
SuperGuide

SuperGuide

Superannuation and retirement planning information

  • Join now
  • Dashboard
  • Log in
  • Dashboard
  • Join now
  • How super works
    • Super rules
    • Contributing to super
    • Accessing super
    • Super tips and strategies
    • Super news
    • Employers guide to super
  • Super funds
    • Compare super funds
    • Best performing super funds
    • Best performing pension funds
    • Choosing a super fund
    • Super investing strategies
    • Super fund guides
  • SMSFs
    • SMSFs for beginners
    • SMSF admin and compliance
    • SMSF investing
    • SMSF pensions
    • SMSF estate planning
    • SMSF strategies
    • SMSF checklists
  • Retirement planning
    • Getting started
    • Retirement planning strategies
    • Super and retirement calculators
    • Case studies
    • Seeking financial advice
    • Preparing for retirement
  • In retirement
    • Income from super
    • Age Pension
    • Work and other income
    • Seniors concessions and services
    • Life in retirement
    • Estate planning
    • Aged care
  • Special features
    • Calculators and reckoners
    • Case studies
    • How-to guides
    • Newsletters
    • Q&As
    • Quizzes
    • Step-by-step guides
    • Tips and strategies
    • Webinars

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

Making superannuation contributions: Super for beginners guide

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

Concessional super contributions guide (2024-25)

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

Non-concessional super contributions guide (2024–25)

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

How do tax-deductible superannuation contributions work?

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

How is my Total Superannuation Balance (TSB) calculated?

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

What to do if you exceed your super contributions caps

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

How LISTO works (Low Income Superannuation Tax Offset)

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

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

Superannuation Guarantee contributions rate and rules

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

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

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

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

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

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

What are the current work test rules for super contributions?

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

Salary sacrifice and super: How does it work?

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

Quiz: Boosting your super with super contributions

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

A super guide to the bring-forward rule

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

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

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

Downsizer super contributions: Rules and eligibility

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

Webinar: Downsizer super contributions

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

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

How to make the most of your super contributions

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

How to use the Moneysmart Superannuation calculator

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

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

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

How to use the Moneysmart Super contributions optimiser

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

Super recontribution strategy: How it works

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

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

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

How to take advantage of the increased Transfer Balance Cap

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

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

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

Making super contributions after age 60: Even in retirement

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

New contribution strategies for retirees

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

Case study: Making super contributions from compensation payments

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

What you need to know about investing an inheritance into super

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

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

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

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

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

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

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

Contribution cap increases: Issues to consider

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

Reducing tax on capital gains with super contributions

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

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

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

Case study: Combining downsizer and non-concessional contributions

Footer

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.

SuperGuide membership

  • JOIN NOW
  • Free SuperGuide newsletter
  • New to SuperGuide?
  • Pricing
  • Subscriber reviews
  • SuperGuide for boosting your super
  • SuperGuide for planning your retirement
  • SuperGuide for retirees
  • SuperGuide for SMSFs

Company

  • About us
  • Advertise
  • Careers
  • Contact us
  • Copyright Policy
  • Editorial Policy and Complaints
  • Sitemap
  • Support
4.7

Based on 77 reviews

Address
Level 23, 520 Oxford St, Bondi Junction, NSW 2022
Phone
1800 955 753

Disclaimer

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.

  • Full SuperGuide disclaimer
  • Terms and Conditions of Use
  • Financial Services Guide
  • Privacy Policy and Privacy Collection

© 2008–2025 SuperGuide

SuperGuide
Forgot Password
 

Not a member?
Learn more about becoming a SuperGuide member