Top up your super calculator

How much more could you contribute? Use our top up super calculator to find out how much more you could contribute to boost your super.

Top up your super
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See how easy it is to find extra money to chip into your super

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Get the most out of your contributions

With your income and contribution amount, after tax contributions could save you more.

With your income and contribution amount, before tax contributions could save you more.

With your income and contribution amount, a combination of before and after tax contributions could save you more.

Your extra super contributions Extra savings
$99,999.999 after tax* More information $99,999.999 added to your super by the government (government co-contribution)
$99,999.999 before tax (salary sacrifice) More information $99,999.999 income tax and Medicare savings (net of contributions tax)
= $99,999.999 total $99,999.999 total extra savings

This page contains general information only and does not take account of your personal circumstances. You should obtain personal advice where appropriate. This page is current for the 2020/21 financial year and subject to change. Prime Super Pty Ltd ABN 81 067 241 016 AFSL 219723 RSE L0000277 is the Trustee of Prime Super ABN 60 562 335 823 RN 1000276. A Product Disclosure Statement is available by calling 1800 675 839 or by visiting primesuper.com.au/pds.

Make it happen

Ways to grow your super

Depending on your situation, there are different ways you can boost your super, ensuring you have enough savings in retirement to lead the lifestyle you want.

After tax

Voluntary contributions

You can boost your super by adding your own personal money into your super fund or your spouses super fund. Since you’ve already paid tax on the money, you won’t pay any additional tax on this type of contribution, as long as you remain under the contributions caps outlined.

Government co-contributions

Did you know that you may be eligible for a 50% co-contribution from the Government?

If you earn less than $54,837 for the 2020-21 financial year, make after tax contributions and meet the criteria outlined, you should be eligible for contributions from the government.

If you earn less than $39,837, the Australian Government will chip in 50 cents towards your super for every $1 extra you contribute to your super with your after-tax dollars, up to a maximum of $500 a year. That’s a 50% return which could make a real difference to your retirement.

Co-contributions are paid on a reducing scale, cutting out at a salary of $54,837.

To receive the contribution you need to be able to answer yes to these eligibility questions;

  • Am I eligible for a co-contribution?
    • Will you be aged under 71 on 30 June 2020?
    • Are you a permanent Australian resident and will be throughout the whole 2020-21 year?
    • Will you earn less than $54,837 (this includes your assessable (gross) income, any reportable fringe benefits and salary sacrifice contributions) for 2020-21?
    • Will you lodge a tax return with the ATO for the financial year?
    • Does Prime Super have your Tax File Number (TFN) on record?
    • Is your total superannuation balance less than $1.6 million at the end of 30 June of the previous financial year?
    • Will you make voluntary personal (after-tax) contributions to your super account this financial year without claiming deductions?
    • Will you earn 10% or more of your income from employment or running a business?
    • Have you stayed under your after-tax contribution cap?
  • Contribution caps

    There are caps on the amount of after-tax contributions you can make. The cap on after-tax contributions is $100,000. People under age 67 may be able to bring forward three years’ worth of contributions depending on their total superannuation balance, allowing them to contribute up to three times the cap (that is $300,000*) at once or at any time during the three financial years. For more details about contribution caps and types, please read our Member Guide.

    For more information on eligibility criteria and contribution caps, visit the ATO website.

Can I make an after-tax contribution?
  • Are you aged under 67, or 67 to 75 and have met a Work Test or Work Test exemption?
  • Is your total superannuation balance less than $1.6 million at the end of 30 June of the previous financial year?
  • Have you stayed under your after-tax contribution cap of $100,000; or are under age 67 and using the ‘bring-forward’ option?
  • Does Prime Super have your Tax File Number (TFN) on record?
Making an extra contribution is easy
Make an extra contribution through BPAY
BPAY® Biller Code: 584581
Reference Number: Log into MemberOnline to get your BPAY details or call us on 1800 675 839

Read more about government co-contributions


Before tax

Salary sacrifice

Did you know that you can ask your employer to pay part of your pre-tax salary into your super? Also known as salary sacrifice, this can be a tax effective way to grow your super if you earn more than $37,000 per year. The benefits include;

  • Reducing your taxable income
  • Paying lower tax rates on contributions (only 15% tax on contributions into your super account if your income is under $250,000, or 30% if your income is over $250,000)

For the 2020/21 financial year, you can contribute up to $25,000 per year before tax - but this also includes all contributions your employer pays such as your 9.5% super guarantee.

  • Know the limits

    There are contribution caps on your before-tax (concessional) super contributions, which include the Super Guarantee contributions your employer makes on your behalf, as well as any salary sacrifice contributions you make to your super.

    The concessional contributions limit is $25,000, regardless of age. If you exceed this limit, your excess contributions will be taxed at your marginal tax rate.

    If you have a total super balance of less than $500,000, you may be able to carry forward any un-used concessional contributions on a five year basis.

    For more details about contribution caps and types, please read our Member Guide.

Make an extra contribution through BPAY
BPAY® Biller Code: 584581
Reference Number: Log into MemberOnline to get your BPAY details or call us on 1800 675 839

Call us on 1800 675 839

After tax

Voluntary contributions

You can boost your super by adding your own personal money into your super fund or your spouses super fund. Since you’ve already paid tax on the money, you won’t pay any additional tax on this type of contribution, as long as you remain under the contributions caps outlined.

Government co-contributions

Did you know that you may be eligible for a 50% co-contribution from the Government?

If you earn less than $54,837 for the 2020-21 financial year, make after tax contributions and meet the criteria outlined, you should be eligible for contributions from the government.

If you earn less than $39,837, the Australian Government will chip in 50 cents towards your super for every $1 extra you contribute to your super with your after-tax dollars, up to a maximum of $500 a year. That’s a 50% return which could make a real difference to your retirement.

Co-contributions are paid on a reducing scale, cutting out at a salary of $54,837.

To receive the contribution you need to be able to answer yes to these eligibility questions;

  • Am I eligible for a co-contribution?
    • Will you be aged under 71 on 30 June 2020?
    • Are you a permanent Australian resident and will be throughout the whole 2020-21 year?
    • Will you earn less than $54,837 (this includes your assessable (gross) income, any reportable fringe benefits and salary sacrifice contributions) for 2020-21?
    • Will you lodge a tax return with the ATO for the financial year?
    • Does Prime Super have your Tax File Number (TFN) on record?
    • Is your total superannuation balance less than $1.6 million at the end of 30 June of the previous financial year?
    • Will you make voluntary personal (after-tax) contributions to your super account this financial year without claiming deductions?
    • Will you earn 10% or more of your income from employment or running a business?
    • Have you stayed under your after-tax contribution cap?
  • Contribution caps

    There are caps on the amount of after-tax contributions you can make. The cap on after-tax contributions is $100,000. People under age 67 may be able to bring forward three years’ worth of contributions depending on their total superannuation balance, allowing them to contribute up to three times the cap (that is $300,000*) at once or at any time during the three financial years. For more details about contribution caps and types, please read our Member Guide.

    For more information on eligibility criteria and contribution caps, visit the ATO website.

Can I make an after-tax contribution?
  • Are you aged under 67, or 67 to 75 and have met a Work Test or Work Test exemption?
  • Is your total superannuation balance less than $1.6 million at the end of 30 June of the previous financial year?
  • Have you stayed under your after-tax contribution cap of $100,000; or are under age 67 and using the 'bring-forward' option?
  • Does Prime Super have your Tax File Number (TFN) on record?
Making an extra contribution is easy
Make an extra contribution through BPAY
BPAY® Biller Code: 584581
Reference Number: Log into MemberOnline to get your BPAY details or call us on 1800 675 839

Read more about government co-contributions

Call us on 1800 675 839

Before tax

Salary sacrifice

Did you know that you can ask your employer to pay part of your pre-tax salary into your super? Also known as salary sacrifice, this can be a tax effective way to grow your super if you earn more than $37,000 per year. The benefits include;

  • Reducing your taxable income
  • Paying lower tax rates on contributions (only 15% tax on contributions into your super account if your income is under $250,000, or 30% if your income is over $250,000)

For the 2020/21 financial year, you can contribute up to $25,000 per year before tax - but this also includes all contributions your employer pays such as your 9.5% super guarantee.

  • Know the limits

    There are contribution caps on your before-tax (concessional) super contributions, which include the Super Guarantee contributions your employer makes on your behalf, as well as any salary sacrifice contributions you make to your super.

    The concessional contributions limit is $25,000, regardless of age. If you exceed this limit, your excess contributions will be taxed at your marginal tax rate.

    If you have a total super balance of less than $500,000, you may be able to carry forward any un-used concessional contributions on a five year basis.

    For more details about contribution caps and types, please read our Member Guide.

Make an extra contribution through BPAY
BPAY® Biller Code: 584581
Reference Number: Log into MemberOnline to get your BPAY details or call us on 1800 675 839

Call us on 1800 675 839

This page contains general information only and does not take account of your personal circumstances. You should obtain personal advice where appropriate. This page is current for the 2020/21 financial year and subject to change. Prime Super Pty Ltd ABN 81 067 241 016 AFSL 219723 RSE L0000277 is the Trustee of Prime Super ABN 60 562 335 823 RN 1000276. A Product Disclosure Statement is available by calling 1800 675 839 or by visiting primesuper.com.au/pds.