Who can contribute to super?
To be eligible to contribute to super, you may need to meet certain age or other criteria.
| Eligibility to contribute from 1 July 2024 | ||||
|---|---|---|---|---|
| Your age | Employer contributions | Contributions from you |
Contributions from your spouse | |
| Mandated | Voluntary | |||
| Under 75 | Yes | Yes | Yes | Yes |
| 75 and over | Yes | 2No | 1, 2No |
2No |
1 Eligible downsizer contributions can still be made after age 75. Please find more information at ato.gov.auopen in new window
2 Contributions must generally be accepted no later than 28 days after the month in which you turn 75.
If you’re aged 67 to 74, if you intend to claim a tax deduction on your personal super contributions, you are required to meet the work test unless you are eligible to utilise the work test exemption. The work test requires you to be working at least 40 hours over a 30-day period in the relevant financial year (unless eligible for a work-test exemption). The ATO will assess your eligibility to claim a deduction when you have lodged your tax return for the financial year.
Personal contributions from you and spouse contributions can only be made if your Tax File Number (TFN) has been provided to the super fund.
For more information on the restrictions that apply to super contributions, eligibility criteria, contribution types and contribution caps, please visit Australian Taxation Office (ATO).
What 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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