How to claim your super contributions at tax time


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Did you know that most people in Australia under the age of 75 are now able to claim a tax deduction when they make after-tax super contributions?

The old condition that less than 10% of your income must have come from salary and wages in order to be able to claim a deduction was scrapped from July 1.

If you're aged between 65 and 74, though, you will need to meet the work test in order to be eligible.

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Take note, the super contributions that you claim as a deduction will count towards your concessional contributions cap of $25,000 - not the non-concessional cap, which is much higher.

If you want to claim a tax deduction for personal contributions to super, you must complete and lodge a notice of intent with your super fund and have this notice acknowledged (in writing) by your fund.

You can find the relevant form on the tax office website at

It's also worth noting that if you claim a deduction for your personal contributions you may not be eligible for the government's super co-contribution.

You can find more information about this new perk by entering "Change to personal super contributions deductions" in the search bar of the ATO website.

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