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Grow your super

Back to Super

Making an additional contribution to your super is, well, super easy. The only question is, how do you want to make your contributions?1

Contributions

Voluntary contributions (after tax)

Top up your super whenever you feel like it and you could enjoy some tax deductions.

Top up in the Rest App Learn more
Money

Salary Sacrifice (before tax)

Get your employer to make extra payments before you get paid and reduce your taxable income.

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Two eggs combining into one

Co-contribution (after tax)

Enjoy a potential super boost of up to $500 pa2 thanks to the government, if eligible.

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Spouse Contributions (after tax)

Grow your partner's super with an after-tax contribution and enjoy a potential tax rebate of up to $540 pa, if eligible.

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Contributions

Contribution splitting

Contribution splitting is when you transfer part of your concessional contributions (before-tax contributions) into your spouse’s super account.

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Contribution caps

There are limits on how much money you can contribute to your super each financial year.

These are called contributions caps.

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Your first home, made faster

The Government’s First Home Super Saver (FHSS) scheme can help you save a deposit for your first home faster. You can add to your super by making your own extra voluntary contributions on top of what your employer pays. You can make before-tax contributions like Salary Sacrifice, or personal after-tax contributions. Contribution limits apply. 

Find out more

Try our Small Change, Big Savings Calculator


See the difference switching out some of your everyday items could make

Not sure what type of contribution you should make?

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1. The government limits how much you can contribute. If you contribute too much, you may have to pay extra tax.
2. The amount of government co-contribution you can receive depends on how much you contribute and what your income is.
3. Rest Advice is provided by Rest advisers as authorised representatives of Link Advice Pty Ltd ABN 36 105 811 836 AFSL 258145.