Growing your super is now a lot easier

29 June 2022

Some of the red tape around making contributions to your super has just been removed. If you’re aged 67 to 74 and have stopped working, it’s now easier to give your super a boost.

Previously, members in this age range could only make personal contributions – both concessional and non-concessional – if they met the work test or work test exemption. 

What's the work test?

To meet the work test you need to have done at least 40 hours of paid work in a consecutive 30-day period in the financial year you make the contribution. The work test exemption is available to individuals aged 67 to 74, who had a total super balance of less than $300,000 at the prior 30 June (eg. 30 June 2021) and met the work test for the previous financial year. The exemption can only be applied once in a lifetime. 

What's changing?

This complicated rule is thankfully a thing of the past from 1 July 2022 for most types of contributions.

If you’re aged 67 to 74 you are now able to make non-concessional contributions or salary sacrifice contributions without meeting the work test. However, the work test still applies to people in this age group who wish to make personal deductible contributions.

From age 75, only mandated employer contributions can be made to super.

If you do make a contribution and need to meet the work test we’ll write to you to let you know what you need to do.



Under 67 years

67-74 years

75 or more

Contribution type

All contribution types

Non-concessional contributions. Also known as after-tax contributions made from your take home pay or savings. Find out more.

Salary sacrifice contributions.
Find out more.

Personal deductible contributions. These are contributions which you make and then claim a tax deduction for. Find out more.

Compulsory employer contributions

Work test required?








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Who could benefit?

Typically, members work hard to grow their super later in their working life, topping up their balance in the years leading up to retirement. The change to the work test requirement will allow people more flexibility in how and when they do this. It is particularly good for people who retire suddenly or unexpectedly or those who don’t meet the work test, including people who are already retired.

Keep in mind
  • There are caps on the amount you can contribute to super each financial year. There are actually two separate caps – one for concessional contributions and one for non-concessional contributions. If you go over one of your caps, you may pay extra tax. Visit the ATO website to find out more.
  • You are unable to make non-concessional contributions to super if you exceed the total super balance cap, currently $1.7 million.
  • Contributions need to be received by us no later than 28 days after the month you turn 75.
  • Contributions can’t be made to a pension account once the pension has started, so you might need to set up a new super account or roll back your pension into super to make additional contributions.
Need more information

Find out more about contribution types and how to contribute on our Grow your super page.