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Top up your super calculator

Boost your super for retirement with additional contributions

Every little bit counts.

You can make a huge difference to your super balance in retirement by making additional contributions to your super. These contributions are made on top of the superannuation guarantee (SG) payments your employer makes to your super account.

The earlier you start, the more you’ll have thanks to the power of compound interest. You may also be able to reduce your taxable income for the financial year too.

What is compound interest?

Use our calculator to see the benefits!

Top up your super calculator
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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, pre-tax contributions could save you more.

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

Additional contributions Added value
$99,999.999 pre-tax contributions (contribute and claim or salary sacrifice) More information $99,999.999 reduced income tax (including Medicare levy)
$99,999.999 after-tax contributions More information $99,999.999 co-contribution paid to your super by the government*
Total contributions: $99,999.999 Total value: $99,999.999

* Eligibility conditions apply

* Eligibility conditions apply

This calculator is current for the 2024-25 financial year and is subject to change. It contains general information and does not take account of your specific objectives, financial situation or needs or personal circumstances.

While we have made every effort to ensure all assumptions and limitations are reasonable, you should review them to match your own expectations/circumstances and not take them as the most appropriate assumption in all cases.

Some factors that may affect the results may not have been taken into account in this calculator.

This is a model, not a prediction. You should not rely upon this tool for the purposes of making a financial decision. You should consider your own situation, objectives and needs, and obtain specific, individual advice from a licensed financial adviser before making any investment decisions.

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 and Target Market Determination is available by calling 1800 675 839 or by primesuper.com.au/pds.

Make it happen

Pre-tax (concessional) contributions

Contribute and claim

To make an additional contribution with BPAY, please find your details below.

BPAY® Biller Code: 584581
Reference Number: Log into for your BPAY reference number or call us on 1800 675 839

To contribute and apply to claim a tax deduction, we must receive the funds you wish to contribute before 30 June.

To apply for a tax deduction please send us your completed Notice of intent to claim a deduction for personal super contributions form before one of the following takes place:

  1. the end of the next financial year;
  2. you lodge you tax return for the current financial year; or
  3. before you move any money out of your super account.

You will receive a notification from us acknowledging your intention to claim a tax deduction, providing details on the 15% contributions tax that has been deducted, and that you can now include this amount in your annual tax return and where relevant provide this notice to your tax accountant.

Salary sacrifice

To set this up, simply send an email to your employer's payroll team, detailing the amount you want to salary sacrifice. See an example below.

Hello [first name],


I would like to salary sacrifice $[amount] every [week/month/quarter]. Please let me know if you require anything else to set this up.


Kind regards,

[Your name]

Once you have sent the email, all you need to do is check that it was paid by your employer.

  • Know the limits

    It is important to keep track of the contribution caps on your pre-tax (concessional) super contributions.

    The concessional contributions limit is $30,000 per year. Any Superannuation Guarantee payments and additional voluntary contributions will count towards your limit.

    To see how you are tracking against the contribution caps, log into your MyGov account.

    If you have not taken advantage of the concessional contribution cap limits ($30,000) over the past five years, you may be able to use the Carry Forward rule and save more tax this year. Book a chat with our super specialists for more information.

    Learn how to maximise your super without going over the limits.

  • Eligibility

    You need to meet the following criteria to make a pre-tax contribution to your super.

    • Are you aged under 75?
    • Have you stayed under your concessional contribution cap of $30,000; or are able to use the 'carry-forward' option?
    • Does Prime Super have your Tax File Number (TFN) on record?

    If you said yes to these questions, then you are ready to contribute.

    Please note: if you are over the age of 67, you will need to meet the work test to claim the contribution as a deduction.


After-tax (non-concessional) contributions

Additional contributions

Making additional contributions is easy with BPAY. Find your details below.

BPAY® Biller Code: 584581
Reference Number: Log into for your BPAY reference number or call us on 1800 675 839
  • Eligibility
    • Are you aged under 75?
    • Is your total superannuation balance less than $1.9 million at the end of 30 June of the previous financial year?
    • Have you stayed under your non-concessional contribution cap of $120,000; or are under age 75 and using the 'bring-forward' option?
    • Does Prime Super have your Tax File Number (TFN) on record?

    If you said yes to these questions, then you are ready to contribute.

  • Know the limits

    It is important to keep track of the contribution caps on your after-tax (non-concessional) super contributions.

    The non-concessional contributions limit is $120,000. If you exceed the cap, you may be notified by the Australian Taxation Office (ATO) that you have gone over the contributions limit. Sometimes they give you the choice of either:

    • having up to 85% of the excess contribution amount refunded to you (up to $10,000), or
    • paying tax on the excess at your normal tax rate, plus an additional excess contributions charge

    You may use the bring forward rule which brings your future limits forward, so that you can use them earlier. How much you can bring forward and from when will depend on your super balance.

    Learn how to maximise your super without going over the limits.

  • Government's super co-contribution

    If you are earning less than $60,400 for the 2024-25 financial year, the Australian Government will contribute up to a maximum of $500 a year if you make additional contributions to your super. It could make a real difference come retirement.

    To qualify for the co-contribution, you will need to meet some basic criteria. This is detailed on our Government co-contribution factsheet.

    If you are eligible, it is easy to receive the co-contribution by following these steps:

    1. Make an after-tax contribution to your Prime Super account before 27 June. You can do this by BPay®, but make sure you allow enough time for the transfer to arrive and clear.
    2. Lodge your tax return with the ATO by the required date.
    3. The ATO will automatically calculate the amount and, if eligible, pay the co-contribution into your super account.

After-tax (non-concessional) contributions

Additional contributions

Making additional contributions is easy with BPAY. Find your details below.

BPAY® Biller Code: 584581
Reference Number: Log into for your BPAY reference number or call us on 1800 675 839
  • Eligibility
    • Are you aged under 75?
    • Is your total superannuation balance less than $1.9 million at the end of 30 June of the previous financial year?
    • Have you stayed under your non-concessional contribution cap of $120,000; or are under age 75 and using the 'bring-forward' option?
    • Does Prime Super have your Tax File Number (TFN) on record?

    If you said yes to these questions, then you are ready to contribute.

  • Know the limits

    It is important to keep track of the contribution caps on your after-tax (non-concessional) super contributions.

    The non-concessional contributions limit is $120,000. If you exceed the cap, you may be notified by the Australian Taxation Office (ATO) that you have gone over the contributions limit. Sometimes they give you the choice of either:

    • having up to 85% of the excess contribution amount refunded to you (up to $10,000), or
    • paying tax on the excess at your normal tax rate, plus an additional excess contributions charge

    You may use the bring forward rule which brings your future limits forward, so that you can use them earlier. How much you can bring forward and from when will depend on your super balance.

    Learn how to maximise your super without going over the limits.

  • Government's super co-contribution

    If you are earning less than $60,400 for the 2024-25 financial year, the Australian Government will contribute up to a maximum of $500 a year if you make additional contributions to your super. It could make a real difference come retirement.

    To qualify for the co-contribution, you will need to meet some basic criteria. This is detailed on our Government co-contribution factsheet.

    If you are eligible, it is easy to receive the co-contribution by following these steps:

    1. Make an after-tax contribution to your Prime Super account before 27 June. You can do this by BPay®, but make sure you allow enough time for the transfer to arrive and clear.
    2. Lodge your tax return with the ATO by the required date.
    3. The ATO will automatically calculate the amount and, if eligible, pay the co-contribution into your super account.

Pre-tax (concessional) contributions

Contribute and claim

To make an additional contribution with BPAY, please find your details below.

BPAY® Biller Code: 584581
Reference Number: Log into for your BPAY reference number or call us on 1800 675 839

To contribute and apply to claim a tax deduction, we must receive the funds you wish to contribute before 30 June.

To apply for a tax deduction please send us your completed Notice of intent to claim a deduction for personal super contributions form before one of the following takes place:

  1. the end of the next financial year;
  2. you lodge you tax return for the current financial year; or
  3. before you move any money out of your super account.

You will receive a notification from us acknowledging your intention to claim a tax deduction, providing details on the 15% contributions tax that has been deducted, and that you can now include this amount in your annual tax return and where relevant provide this notice to your tax accountant.

Salary sacrifice

To set this up, simply send an email to your employer's payroll team, detailing the amount you want to salary sacrifice. See an example below.

Hello [first name],


I would like to salary sacrifice $[amount] every [week/month/quarter]. Please let me know if you require anything else to set this up.


Kind regards,

[Your name]

Once you have sent the email, all you need to do is check that it was paid by your employer.

  • Know the limits

    It is important to keep track of the contribution caps on your pre-tax (concessional) super contributions.

    The concessional contributions limit is $30,000 per year. Any Superannuation Guarantee payments and additional voluntary contributions will count towards your limit.

    To see how you are tracking against the contribution caps, log into your MyGov account.

    If you have not taken advantage of the concessional contribution cap limits ($30,000) over the past five years, you may be able to use the Carry Forward rule and save more tax this year. Book a chat with our super specialists for more information.

    Learn how to maximise your super without going over the limits.

  • Eligibility

    You need to meet the following criteria to make a pre-tax contribution to your super.

    • Are you aged under 75?
    • Have you stayed under your concessional contribution cap of $30,000; or are able to use the 'carry-forward' option?
    • Does Prime Super have your Tax File Number (TFN) on record?

    If you said yes to these questions, then you are ready to contribute.

    Please note: if you are over the age of 67, you will need to meet the work test to claim the contribution as a deduction.


We're here to help

If you have any questions about  making additional pre-tax or after-tax contributions,   making additional after-tax contributions,   setting up salary sacrifice,  you can book a complimentary 15-minute consultation with our super specialists.

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 2024-25 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 and Target Market Determination is available by calling 1800 675 839 or by visiting primesuper.com.au/pds.

  • Disclaimers and assumptions

    To use this calculator, your age must between between 15 and 75.

    The calculator uses the income and contribution amounts to determine a scenario for the user.

    It does this by taking into account the following:

    • mandatory super guarantee (SG) contribution of 11.5% of income
    • concessional contribution limit of $30,000
    • tax savings of concessional contributions (reducing taxable income)
    • government co-contribution (up to maximum of $500) for incomes less than $60,400

    For higher incomes it will be advantageous for a user to make before-tax contributions up to the concessional limit of $30,000 (less SG contributions) and then after-tax contributions for anything above the concessional limit.

    For lower incomes it will often be advantageous for users to make after-tax contributions to qualify for the maximum government co-contributions.

    Government co-contributions

    If you earn less than $60,400 for the 2024-25 financial year, make after tax contributions and meet the criteria outlined, you may be eligible for contributions from the government.

    If you earn less than $45,400, 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 $60,400.

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

    • Will you be aged under 71 on 30 June 2025?
    • Are you a permanent Australian resident and will be throughout the whole 2024-25 year? Note: exceptions may apply to New Zealand citizens or those who hold a prescribed visa.
    • Will you earn less than $60,400 (this includes your assessable (gross) income, any reportable fringe benefits and salary sacrifice contributions) for 2024-25?
    • 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 $1.9 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 non-concessional contribution cap?

    Salary sacrifice

    Salary sacrificing incurs 15% tax on contributions into your super account only if your income is under $250,000, or 30% tax if your income is over $250,000.

    For the 2024-25 financial year, you can contribute up to $30,000 per year before tax - but this also includes all contributions your employer pays such as the 11.5% super guarantee.

    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 $30,000, 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 unused concessional contributions on a five year basis.

    For more information about contribution caps, types and eligibility, refer to the ATO website.