What is a personal super contribution?
Personal superannuation contributions are the amounts you contribute to your superannuation fund from your personal funds.
Personal superannuation contributions are generally treated as non-concessional and will count towards your non-concessional contribution cap unless you intend to claim a tax deduction for them.
How to make a personal super contribution and claim a tax deduction
Making a tax-deductible contribution to your fund is straight forward. You can do it as a payment from your everyday bank account. Check you have the right details for your fund and allow plenty of time before 30 June for the money to reach your superannuation account to be processed, ideally at least 1-2 weeks.
Another easy option is to speak with your employer and ask them to do it for you. Similar to a salary sacrifice arrangement (where an employer pays an extra amount of your pre-tax income to your superannuation account), many employers will do the same with post-tax income.
The important thing to remember; the contribution must be post-tax if you want to claim them as a personal deduction on your return.
How does tax deductible super work on your return
There are two important steps to claim a personal superannuation contribution on your tax return.
Once you have the acknowledgement from them you can lodge your tax return.