Who can contribute to super?
To be eligible to contribute to super, you may need to meet certain age and work conditions.
| Superannuation Guarantee |
Salary sacrifice |
Personal deductible |
Personal after-tax |
Spouse | |
|---|---|---|---|---|---|
| Under age 65 | Yes | Yes | Yes | Yes | Yes |
| Aged 65 to 69 and worked at least 40 hours in a period of no more than 30 consecutive days in that financial year | Yes | Yes | Yes | Yes | Yes |
| Aged 70 to 74 and worked at least 40 hours in a period of no more than 30 consecutive days in that financial year | Yes | Yes | Yes | Yes | No |
| Aged 75 + | Yes | No | No | No | No |
Note: To make personal after-tax contributions or spouse contributions in the 2026-27 financial year, the person for whom the contribution is being made must have a total super balance of less than $2.1 million at 30 June 2026 and have provided their Tax file number (TFN) to their super fund.
For more information on the restrictions that apply to super contributions, please visit Australian Taxation Office (ATO), opens in a new window.
What's next?
Explore more super and retirement rules to help plan for retirement.
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General advice and information only
Any advice and information on this website is general only, and has been prepared without taking into account your particular circumstances and needs. Before acting on any advice on this website you should assess or seek advice on whether it is appropriate for your needs, financial situation and investment objectives.
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