You'll have heard the old, almost grandmotherly adage that 'every dollar counts'. But guess what - it's true.

Voluntary after tax super contributions (also called non-concessional contributions), refer to any payments you make to your super fund out of your take-home pay. Making after-tax super contributions is an easy way to boost your retirement savings on your own schedule.

Your super money jar

Setting up small, automatic after-tax payments is a simple and effective way to add a little extra every month. In the same way people empty their coins into a change jar at the end of a day, making small contributions to your super is like putting your coins into your super savings, which you can access when you retire.


Saving when you can adds real value

One of the great things about making small contributions is that you only have to contribute what you can afford. Whether it’s an extra $5 a month, or an extra $50, even small amounts can add up to make a big difference.

If automatic after-tax contributions aren’t your style, you can make one-off contributions whenever you have spare money. You can also consider looking into salary sacrifice, which is often the most tax effective option. Depending on your financial circumstances, these could be great options for you to make a big difference to your retirement savings.

You can make after-tax contributions to your super any time online with NAB. Simply sign-in to get started. Not a member of  MLC, opens in new window? Take a moment to explore these easy steps you can take today to join one of Australia’s largest retail superannuation providers.


MLC and NAB: working together to help you grow your future

MLC has been helping customers create better financial futures since 1886. As part of NAB's consumer and wealth business, MLC is empowering you to grow and manage your wealth into retirement.

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Open an account with our superannuation specialists today.

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My Super is with MLC

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My super is not with MLC

Get in contact with your current fund to learn how to consolidate your super and save.

Have confidence in your future with help from a financial adviser.

Important information

You should consider your eligibility to contribute to super, contribution caps, penalties that may apply if these caps are exceeded and seek advice where required. Visit the ATO's website, opens in new window to find out more. If you are considering concessional or non-concessional (after-tax) contributions we recommend you speak to a financial advisor.

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This information is provided by National Australia Bank Limited ABN 12 004 044 937 AFSL No. 230686 (NAB), a member of the National Australia Bank Group of companies. Any advice is general in nature and has been prepared without taking into account your personal objectives, financial situation or needs and because of that you should, before acting on the advice, consider the appropriateness of the advice having regard to those matters. See the NAB Financial Services Guide for details about relationships between NAB and product issuers, and remuneration or benefits that may be received in relation to NAB’s authorised services.