Combine your super
Combining your super means you’ll stop paying multiple fees and costs across multiple super accounts. It’s easy to do and only takes a few minutes.
Combine your supercontribute to your super
Your employer contributes a minimum of to your super for the 2025-26 financial year, but these super contributions alone may not be enough to give you a healthy balance in retirement. A little extra now can go a long way tomorrow.
boost now, thank yourself later
What you contribute today can add up to a whole lot more in retirement. Your extra super contributions could benefit from compounding, which is investment returns earned on your investment returns.
There are a few ways you can boost your super with extra super contributions, and you can make extra contributions to your super at any time.
The two main ways you can contribute to your super
Before-tax super contributions
Ask your employer to set up salary sacrifice directly from your before-tax pay or salary.
Main benefits:
- Pay less tax (the 15% contributions tax in super might be lower than your marginal tax rate)
- Your extra super contribution is deducted from your pay through your employer
- Reduce your taxable income
- Grow your super through extra contributions and compounding (investment returns earned on your investment returns).
More about before-tax contributions
After-tax super contributions
Set up one-off or recurring payments into your superannuation via BPAY®.
Main benefits:
- You may be eligible for a $500 super co-contribution from the government (depending on your total income and the amount you contribute)
- You can set up one-off or recurring contributions via BPAY at any time
- Grow your super through extra contributions and compounding (investment returns earned on your investment returns).
government co-contributions
Could your super savings get a $500 boost from the government? Find out if you’re eligible for a co-contribution. That’s where if you put some money in, the government could too.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
see the difference an extra $30 a week into super can make
Regular super contributions of $30 (or less!) could make a real difference to superannuation balance in years come. Every little bit you put into your super now is invested and, over time, can really grow your savings.
contributions calculator
Grow your super with extra super contributions. Work out whether to make contributions before or
after tax — or a mix of both — with ASIC's Moneysmart Super contribution optimiser tool.
other ways to contribute and grow your super
Spouse contributions
If you’re the main caregiver for your family, not working, or you’re working part-time, your spouse or partner may be able to make extra contributions for you.
Learn more about spouse contributions
Contribution splitting
Could your partner split some of their super contributions into your account? It's a great way to boost your super if you currently don't work, are on a low income or nearing retirement.
Learn more about contribution splitting
Downsizer contributions
You may be able to make a downsizer contribution into your super account if you sell your family home. Scaling back to unlock some extra cash can make sense. But adding six-figure sums to your super after a certain age needs a lot of thought.
Downsizer contributions
self-employed, contractor, or sole trader?
If you’re self-employed, a contractor or a sole trader, making super contributions may not be your top priority. But if you’re not putting away for your retirement savings, then who is?
Need some expert help with contributions?
Our team can help work out a contribution strategy that’s right for you. You can see a super expert at no extra cost: it’s all part of being with HESTA.