super saturday

The end of financial year is fast approaching, and it's a great time to give your super some attention. Small steps taken now can make a big difference to your future, so take an hour of action this weekend.

This Super Saturday, 20 June, put your future first

Our research¹ shows more than half our members (58%) aren't planning to take advantage of any super contribution tax benefits before 30 June, potentially missing out on opportunities. But almost the same number (57%) say they’d be more likely to take action if they had some simple guidance. So we’re here to help you make a difference this Super Saturday.

5 things to check

You don't need to do everything. Even acting on one of these tips can make a difference.^

1. Consider topping up your super

You can make a personal after-tax contribution* to give your balance a boost. If you have unused before tax caps from previous years and a total super balance under $500,000 at 30 June 2025, you may also be able to make catch-up contributions.

Contribute to your super

2. Check if you qualify for the government co-contribution

If you earn under the income threshold ($47,488 for 2025-26) and make a personal after-tax contribution, the government may add up to $500 to your super. You may still receive a partial co-contribution if you earn up to $62,488.

See government co-contributions

3. Think about contribution splitting

You can transfer some of your super contributions into your spouse's account. This can help even up balances and may have tax benefits for your household.

Explore contribution splitting

4. Combine super accounts

If you have super accounts with other funds, bringing them together into one account means you stop paying multiple sets of fees, so more of your money stays working for you.

Combine your super

5. Know your super

Log in to your HESTA account to see your balance and check your investment strategy still suits your goals. Use our planning tools, like Future Planner, to help you work out if you’re on track for the retirement you want and explore options to grow your super.

Explore our calculators and tools

^ If you’re unsure which steps to take or want some advice to work out which steps would suit your circumstances, speak to one of our advisers.

* Contributions must be received by HESTA by 25 June. We will endeavour to process your contributions for allocation to the 2025-26 financial year. You may be able to claim a tax deduction if you’ve made a personal after-tax contribution to your super. HESTA has a notice of intent to claim tax deduction form available digitally for members to make this process easier during a busy time of year.

let's get started!

Put your Super Saturday hour to good use.

Here's how:

1. Log into your HESTA account at hesta.com.au/login

2. Check your current balance and investment strategy

3. Pick one (or more) actions from the list above that match your situation

4. Use Future Planner and other tools to help you take action.

Head to your account to make the most of Super Saturday

Even an hour, taken at the right time, can help supercharge your future.

¹ Have A Say Community Survey, May 2026 (437 participants).