How to Make a Personal Super Contribution

📝How to Make a Personal Super Contribution (and Claim It on Your Tax Return)

🔍 Want to grow your super and reduce your tax? Here’s a simple, step-by-step guide on how to make a personal super contribution and claim it as a tax deduction.

💰 How to Make a Personal Super Contribution (And Why It Might Be a Smart Tax Move)

Making a personal contribution to your superannuation fund is one of those rare win-wins: it helps grow your retirement savings while potentially lowering your tax bill.

Whether you’re a sole trader, employee, or just someone trying to make the most of end-of-financial-year strategies, here’s a simple, practical guide to getting it done — and claiming the deduction correctly.

✅ Step 1: Get Your Super Fund’s Contribution Details

Before transferring any money, you need the right payment info.

  • Log in to your super fund account
  • Locate the BPAY or direct deposit details
  • Make a note of your member number (you’ll need this when making the payment)

💸 Step 2: Make the Payment

Now that you have the details, it’s time to make the contribution.

  • Use your online banking to transfer the funds
  • Pay via BPAY or direct deposit, as instructed by your fund
  • Include your member number/reference in the payment description to ensure it’s credited correctly

🧾 Step 3: Lodge a ‘Notice of Intent to Claim’

If you want to claim the contribution as a tax deduction, this step is essential.

  • Complete a Notice of Intent to Claim a Tax Deduction form
  • Submit it to your super fund (most funds let you do this online)
  • Wait for written confirmation before lodging your tax return

Without this confirmation, the ATO won’t accept the deduction.

📌 Bonus Tips:

  • Contributions must be received by your fund by 30 June to count for this financial year
  • The current concessional contribution cap as of 30/6/2025 is $27,500 (this includes employer super)
  • You can check your year-to-date contributions via your MyGov ATO portal or contact your fund

👋 Need Help or Have Questions?

Not sure how much to contribute or how it will affect your tax? We’re here to help you navigate your options and avoid mistakes — especially as EOFY approaches.

📞 02 9599 8333 or 📅 Book a Call to get personal advice before 30 June by clicking on the following link. Book a virtual appointment https://meetings-ap1.hubspot.com/patricia-cachia/meeting-with-accountant-virtual