Boost Your Super before EOFY

Boost your super
before EOFY
Put a little bit extra into your super

With end of financial year approaching, it’s a great time to think about the benefits you may get from adding extra contributions to your super.

Put simply, the more money you add to your super, the better your lifestyle may be during retirement. And when it comes to your super contributions, even a small amount goes a long way in building the future you deserve.

Making extra contributions could also help you receive tax benefits, depending on the amount and type of contribution you make. Learn more about how much you can contribute to make sure you don't pay extra tax.

Act now

It’s quick and easy to make a contribution by BPAY. For this financial year you have until 4.59pm on Monday 27 June 2022Log in to your online account to find your BPAY details and while you’re there, don't forget to check your contribution cap levels before making any contributions.

If you need help, you can call us on 1300 369 901 (select option 2).

Types of contributions to keep in mind 
Personal Contributions

These ‘after-tax’ contributions are additional payments you can make from your take home pay, after income tax is deducted. These types of contributions are considered non-concessional contributions, which means you don’t claim a tax deduction on them.

Here's some info to get you started:

If you wish to claim a tax deduction on your personal contribution, please complete the 'Notice of intent to claim or vary a deduction for personal contributions' form, available at or by calling us on 1300 369 901 (select option 2). You may be eligible to claim a tax deduction for your personal contributions if:  

  • you give a valid notice to EISS Super of your intent to claim a deduction and EISS Super acknowledges your notice, and  
  • the notice is given to EISS Super by the earlier of: 
    • the time you lodge your income tax return for the year; or 
    • the end of the financial year following the year the contribution was made. 

For more information about whether you’re eligible to claim a deduction for personal super contributions, please visit

Spouse Contributions

If you are a low-to-middle income earner or currently unemployed, your spouse (husband, wife, or de facto) can make after-tax contributions to your super account. Your spouse can then claim a tax offset of up to $540 a year for their additional contribution. The eligibility criteria are that you earn less than $37,000, live with your spouse, are under 75 years of age when the contribution is made, don't exceed your non-concessional contributions cap in the relevant financial year, and have a total super balance of less than $1.7 million on 30 June of the previous financial year. 

The tax offset amount will gradually reduce for income above this amount and completely phases out when your annual income reaches $40,000.

To receive a spouse contribution you must also be under age 67 or aged 67 to 74 and meet the work test (at least 40 hours over 30 consecutive days).

Government Co-contributions

Government co-contributions are like a reward scheme for low and middle-income earners who are making personal contributions to their superannuation. You can receive a contribution from the government of up to $500. 

Find out if you're eligible

Salary Sacrifice

This can be an effective method of building your retirement savings while enjoying tax benefits. You can ask your employer to pay some of your pre-tax salary into your super fund, which means you may pay less tax because your salary sacrifice contributions aren’t subject to income tax. They are taxed at 15% instead of your marginal tax which could be as high as 47% (including the Medicare Levy).

If you would like more information about your contribution options, please call us on 1300 369 901 (select option 2).