Understanding how to contribute to super — and how to contribute strategically — is one of the highest-value financial decisions working Australians can make. This section covers every contribution type: employer obligations, voluntary contributions, tax-effective strategies, and the annual caps that govern them all.
Contributions Guides
Employer Contributions
- Super Contribution Rates Australia — Employer SG Explained — The SG rate is 12% from 1 July 2025. How much you’re entitled to, quarterly deadlines, and Payday Super in 2026
Concessional (Pre-Tax) Contributions
- Concessional Super Contributions Explained — The $30,000 annual cap, how employer SG, salary sacrifice and personal deductible contributions all count toward it, and the carry-forward rule
- Salary Sacrifice Super Explained — How to set up salary sacrifice, calculate your tax saving, and worked dollar examples by income bracket
- Super Contribution Limits Australia — FY2025–26 Caps — All caps in one place: $30,000 concessional, $120,000 non-concessional, bring-forward table, TSB thresholds
Non-Concessional (After-Tax) Contributions
- Non-Concessional Super Contributions Explained — The $120,000 annual cap, TSB eligibility thresholds, and the bring-forward rule (up to $360,000 in one year)
Government Schemes and Incentives
- Super Co-Contribution Explained — Government adds up to $500 when low-to-middle income earners make personal after-tax contributions
- Spouse Super Contributions Explained — Contribute to your partner’s super and potentially claim a tax offset
- Catch-Up Concessional Contributions (Carry-Forward Rule) — Use unused cap space from prior years if your TSB is under $500,000
For advice tailored to your situation, speak with a licensed financial adviser. You can find one through the ASIC financial advisers register or MoneySmart.