Retiring with a mortgage
Still paying off your home as retirement approaches? You're not alone. Find out your options and how HESTA can help you retire with confidence.
Life
There's still time to contribute this financial year. Get your BPAY® contributions in by 25 June 2026*.
You can find your BPAY details in the ‘Contribute extra’ section of your online account or the HESTA App.
Log in to get your BPAY details
things you should know about after-tax contributions
Most people can make after-tax contributions into their super account, but here are some things you should know.
Check to make sure you haven't gone over the 'contributions cap': the contributions cap is a limit on the total amount of after-tax contributions you can make into your super account/s each financial year. The contributions cap for after-tax contributions (also known as non-concessional or voluntary contributions) is $120,000 for the 2025-26 financial year. If you go over the cap, you may pay extra tax on your contributions. Log in to your myGov account to see how you’re tracking against your cap.
The contributions cap applies across all your super accounts, including any accounts with other super funds. If you have accounts with other super funds, you’ll need to ensure your total amount of after-tax contributions across all your funds does not exceed the $120,000 contributions cap.
Eligible individuals may ‘bring forward’ two future years of contributions caps and make a larger contribution. Eligibility to ‘bring forward’ will depend on your age and total super balance. Go to ato.gov.au/super to see if you’re eligible and what your caps might be.
If your total super balance (across all your super funds) was $2 million or more at the start of this financial year, you should seek financial advice before you contribute any after-tax earnings to your super as there may be tax consequences.
Make sure you’ve given us your tax file number (TFN) so we can accept your after-tax contributions. To check, or to give us your TFN, log in to your account.
tax deductions on after-tax contributions
Did you know you might be able to claim a tax deduction if you’ve made a personal after-tax (non-concessional) contribution to your super? This could mean you get something back when you complete your tax return.
The fastest way to claim a tax deduction on your after-tax contributions for the 2025-26 financial year is through your online account.
Log in to your account and go to the ‘Transactions’ page to complete your Notice of intent.
To find out more about claiming a tax deduction, eligibility, or how to claim through the ATO, visit our Claiming a tax deduction page.
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Get the HESTA App
The HESTA App lets you access your super account from anywhere, anytime. You can use it to get your BPAY details, view your investments, and see how your super is tracking. Visit your app store to download the HESTA App.