Age Limits For Superannuation Contributions

Age limits for superannuation contributions are important for determining who can and who cannot make contributions to superannuation and the type of contributions that can be made.

The age limits and types of contributions that can be made to super have changed a few times over recent years.

However, with an aging population and a society that has been working for longer, the age requirements for making super contributions is becoming more flexible.

Age Limits For Super Contributions

The following will discuss the different age brackets relevant to making and receiving superannuation contributions, as well as the types of contributions that each age bracket is able to make or receive.

While contributing to superannuation does provide tax advantages and allows you to build your retirement nest egg, you should consider that such contributions will be inaccessible until you meet a superannuation condition of release.

Generally, the first time that you will be able to access your superannuation benefits is once you have met your superannuation preservation age and satisfying the superannuation definition of retirement.

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However, you can have limited access to your savings after reaching your preservation age while still working, via a transition to retirement strategy.

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Super Contributions Under Age 65

People under age 65 are unrestricted with the type of contributions that they are able to make to their superannuation account.

A person under age 65 is only limited by the relevant contribution caps and the inability to contribute when their total superannuation balance exceeds the transfer balance cap.

Employer contributions, salary sacrifice contributions, personal deductible (Concessional) contributions, after-tax (Non-Concessional) contributions and spouse contributions are all permitted to be made by individuals under age 65 and accepted by the receiving superannuation fund.

Super Contributions Aged 65 or Over, But Under 70

Your employer can make mandated employer Superannuation Guarantee contributions into your superannuation account without restriction.

However, the superannuation work test must be met in order for other types of contributions such as salary sacrifice contributions, self-employed contributions, personal non concessional contributions and spouse contributions to be made.

Further, the work test must be met in the financial year that the contribution is made and must be met prior to the contribution being made. In regard to spouse contributions, the receiving spouse must meet the work test.

From 1 July 2019, recent retirees aged between 65-74 are able to make non-concessional contributions to super without meeting the work test for 12 months after the financial year in which they last met the work test, if they have a superannuation balance below $300,000.

For example, if Mary is aged 66 and retires on 1 May 2020 with a super balance of $270,000, she can make a non-concessional contribution up to the cap until 30 June 2021, despite not working in the 2020/2021 financial year.

Home-downsizer contributions are permitted for people over age 65. In fact, only people over age 65 are able to make home-downsizer contributions.

Super Contributions Aged 70 or Over, But Under Age 75

This age bracket for superannuation contributions has the same rules as the 65-70 age bracket, above, with one small difference; spouse contributions are unable to be accepted by superannuation funds.

Home downsizer contributions are also permitted.

Super Contributions Aged 75+

So here’s where it gets brutal.

The only contributions that can be accepted by a superannuation fund on behalf of a member are mandated employer SG contributions or award contributions, without restriction.

Home downsizer contributions are also permitted.

All other types of contributions are unable to be made or accepted.

Read more about superannuation rules for people over age 65 years.

Work Test Super Contributions Over Age 65

Generally, to make or receive personal super contributions over age 65 (but under age 75), you will need to meet the superannuation work test.

The work test is defined as working at least 40 hours over a 30 consecutive day peirod in the financial year the contribution is made and before the contribution is made.

The exception to this from 1 July 2019 is that recent retirees do not have to meet the work test in the financial year after the financial year that they last met the work test.

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Summary of Age Limits For Super Contributions


Contribution Type Under 65 65-69 70-74 75+
Mandated SG or Award No Restriction No Restriction No Restriction No Restriction
Salary Sacrifice / Self Employed No Restriction Must Meet Work Test Must Meet Work Test Cannot Be Accepted
Personal After-Tax Contributions No Restriction Must Meet Work Test (unless recently retired from 1 July 2019) Must Meet Work Test (unless recently retired from 1 July 2019) Cannot Be Accepted
Spouse Contributions No Restriction Receiving Spouse Must Meet Work Test Cannot Be Accepted Cannot Be Accepted
Home Downsizer Contributions Cannot Be Accepted Yes Yes Yes

All contributions are subject to contribution cap limits.

Chris Strano

Chris Strano created SuperGuy to help the average punter navigate through the complex and ever-changing super rules. It has since become one of Australia's leading digital super resources. If you’re looking for more personalised advice, have a chat with one of our experts at

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