a little extra can really add up

Build your retirement by adding an extra $20 a week into your super. It could become more than $50 a week for you to enjoy later when you might need it most.

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Living well today means you can probably do it in retirement.

Can you afford a little bit more to grow your super?



For most Australians, the Age Pension is and will continue to be an important part of their income in retirement.

Even when it's combined with a modest super balance, it can help you to enjoy the things we all want most:

Free time.

No deadlines.

Fewer demands.

Less stress.






how much can you add to your super?

$10, $20 or $50? No matter how much you put in, it could make a difference to how much you'll have in retirement. Use ASIC's Moneysmart contribution calculator to work out whether to make contributions before or after tax—or a mix of both.

how $20 can add up

Saving $20 a week into your super today, could add up to an extra $64,900 for your next chapter.*



Both Chris and Jamie are 36. They both earn a before-tax salary of $35,000 plus super. And have a starting balance of $30,000.

Both Chris and Jamie receive 10% super paid into their HESTA account by their employer.

Jamie adds another $20 a week into super from take-home until retirement. Chris doesn’t.


*Assumptions based on: Starting age of 36, opening account balance of $30,000. Starting salary of $35,000 p.a. Superannuation Guarantee (SG) rate assumed at of 10% each year as at 1 July 2021 and increases by 0.5% per annum until it reaches and stays at 12% from 1 July 2025 onwards. Rate of return on investment of 6.0% after investment fees and indirect costs. The final amount does not take into consideration any administration fee, additional fees or insurance premiums. All figures are rounded to the nearest $100. $20 per week after-tax contributions continue to age 66. 15% tax rate applies on employer SG contributions and investment earnings. Salary indexed at 2.5%. Assume an inflation rate of 2.5% per annum. All future values (e.g. account balance at retirement) are discounted by inflation rate to today's dollars used in this example. This example is an illustration only and is not guaranteed. Actual outcomes may differ. Investments may go up or down. Visit the HESTA calculators to work out how much $20 a week could make a difference to you.

Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL 235249, the Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321. This information is of a general nature. It does not take into account your objectives, financial situation or specific needs so you should look at your own financial position and requirements before making a decision. You may wish to consult an adviser when doing this. Before making a decision about HESTA products you should read the relevant product disclosure statement (call 1800 813 327 or visit hesta.com.au for a copy), and consider any relevant risks (hesta.com.au/understandingrisk) (04/20).



start today!

Before-tax contributions

This is extra money you add to your super before tax is taken out of your pay. How? Just ask your employer if you can make a before-tax contribution to you super (also known as salary sacrifice).

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After-tax contributions

This is extra money you add to your super from your take-home pay. You can do it via BPAY or direct debit (you can find your reference numbers in your online account) or payroll deduction through your employer.

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Want to set up your contributions?

Set up a recurring payment from your bank account — you can find your personal BPAY reference number or bank transfer details in your online account.

®Registered to BPAY Pty Ltd ABN 69 079 137 518. Government co-contribution eligibility criteria applies.