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Who can contribute to super?

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To be eligible to contribute to super, you may need to meet certain age or other criteria.

Contribution type
 

Eligibility to contribute from 1 July 2023
Your age Employer contributions Contributions from you Contributions from your spouse
Mandated Voluntary
Under 75 Yes Yes Yes Yes
75 and over Yes No2 No1, 2 No2

1 Eligible downsizer contributions can still be made. Please find more information at ato.gov.au

2 Contributions must generally be accepted no later than 28 days after the end of the month in which you turn 75.

If you’re aged 67 to 74, you no longer need to meet the work-test requirement when making certain contributions. However, if you intend to claim a tax deduction on your personal super contributions, you must still meet the work test unless you are eligible to utilise the work test exemption. The work test requires you to have worked at least 40 hours over a 30-day period in the relevant financial year. 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).

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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.