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Can I claim money I put into my Super?

July 16, 2023

Claiming Super contributions

Find out about claiming Superannuation Contributions

In short, the answer is yes, you can claim a deduction on your personal super contributions. However, let’s dive in a little deeper so we can understand this better.

Tax-deductible super contributions are contributions you make from your after-tax income for which you claim a tax deduction. This income may be from a variety of sources such as your take-home pay, savings, an inheritance or from the sale of assets.

Whatever the source, you can make a payment to your super fund from your bank account either as a one-off payment or a periodic direct debit.

For contributions made prior to 1 July 2017 you can't claim a deduction if, during the income year, you obtained 10% or more of the total of the following as an employee:

  • assessable income

  • reportable fringe benefits

  • total reportable employer super contributions.


From 1 July 2017 the requirement that you obtain less than 10% of your income from employment has been scrapped and regardless of your employment arrangement you may be able to claim a tax deduction.

For 2020-21 and 2021-22 years, you are required to meet the work test or the work test exemption criteria if you are 67 to 75 years old to be eligible to make a contribution and claim a tax deduction.

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Disclaimer; this is general information only, subject to change and not to be taken as advice. Please discuss your individual circumstances with your accountant.

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