Adding after tax money to super

If you’re under age 65 you can add after tax money to your super. This could come from take home pay or money from other investments or savings. There are some conditions:

  • You can contribute a maximum of $100,000 per year or $300,000 over three years to your super. 
  • If you have between $1.4 and $1.6 million in super your three year cap will be lower. You can find more information at the Australian Tax Office’s website.
  • If you have more than $1.6 million in super you can’t make after tax contributions. 

If you’re aged between 65 and 74 you can make personal after tax super contributions if you’ve been gainfully employed for at least 40 hours over 30 consecutive days during the financial year.