Making extra contributions to your super

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.
   Contribute to your super > 
   
   
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 >