Better, by design
It's getting easier, faster and safer to manage your HESTA super, wherever you are. Here's a look at what you can do.
Life
Did you miss out on making an extra contribution to your super before 30 June?
While the end of the financial year is the peak time for many members to make additional contributions to their super, the good news is, you can contribute anytime!
In June 2026, HESTA members contributed more than $578 million in extra contributions1 to their retirement funds. This was a 19% increase compared to 2025 contributions and a 45% increase compared to 2024. The biggest day of member contributions was 22 June.
But you don’t have to wait until next June to make a personal contribution. With 10 months to go until 30 June 2027, adding just a small amount more to your super each month can make a big difference to your future super balance.
here’s a few things you can do, anytime
1. Top up your super
You can make a personal after-tax contribution2 to give your balance a boost. If you have unused before-tax caps from previous years and a total super balance under $500,000, you may be able to make catch-up contributions.
2. Check if you qualify for the government co-contribution
If you earn under the income threshold ($49,293 for 2026-27) 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 $64,293.
Learn about government co-contributions >
3. Consider 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.
Understand contribution splitting >
it only takes a few minutes
Log in to your HESTA account to see what actions you could take right now to make the most of your super.
you might also like
Let's talk about scams
Scams aimed at older Australians have become more convincing than ever, and our parents are often the ones sadly targeted. Here’s what to watch out for.
Need some help with your contribution strategy?
Our super consultants can help work out a contribution strategy that's right for you.