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This website is provided to you by Vision Super Pty Ltd ABN 50 082 924 561 AFSL 225054 RSE licence number L0000239 (‘the Trustee’ or ‘we’ or ‘us’) as the Trustee of the Local Authorities Superannuation Fund ABN: 24 496 637 884 (‘Vision Super’ or ‘Fund’). The website includes general information or advice only and does not (and should not be taken to) contain any personal advice. It is provided to you, to help you understand our products, services and frameworks. It does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you and your personal circumstances before acting on it and, if necessary, you should seek professional financial advice. Before making a decision to acquire any product available from the Fund, you should read the appropriate Product Disclosure Statement (PDS) and Target Market Determination (TMD). If there is any inconsistency between information on this website and the PDS, the PDS prevails. Past performance is not an indication of future performance. The general information or advice shown is correct at the time of publication, but may have changed since. In particular, information or general advice provided as at a certain date or on the basis of information or sources extracted as at a certain date may have changed. If you would like updated information, please contact us.

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  • Claiming a tax deduction

Claiming a tax deduction on personal contributions

What are personal contributions?

Personal contributions (after-tax or non-concessional contributions) are the amounts you pay directly into your Vision Super account your after-tax income or savings. You can do this at any time as a regular transfer or a one-off payment from your bank account.

Personal contributions are separate from:

  • Employer Super Guarantee (SG) contributions

  • Salary sacrifice arrangements

If you claim a deduction for your personal contributions, they will change from after tax to concessional (before tax), which means they are subject to contributions tax and will count towards your yearly $32,500 cap on before-tax contributions.

Please note: If your total super balance as of the previous 30 June was under $500,000, and you have unused concessional cap amounts available from up to five earlier financial years, you may have a concessional contribution cap higher than $32,500.

Why consider claiming a deduction?

Depending on your personal circumstances, converting a personal contribution to a tax-deductible contribution may help you by:

  • Reducing your taxable income for the financial year

  • Boosting your super in a tax-effective environment

  • Making use of available concessional contribution cap space

  • Potentially using unused cap amounts from previous years (if eligible).

For example, if you earn $80,000 and make a $10,000 personal contribution, claiming a tax deduction could reduce your total tax payable by up to $1,70011 (depending on your marginal tax rate).

1 Based on tax figures for the 2026/27 financial year, including Medicare Levy of 2%. This also incorporates the 15% tax payable on the amount being converted to concessional contribution within superannuation and assumes no other adjustments, offsets, HELP debt, or Division 293 implications.

How it works

Claiming a tax deduction on a personal contribution is straightforward:

1. Make a personal contribution to your super

2. Submit a notice of intent (NOI) to claim a tax deduction through Member Online

3. Receive confirmation from us before lodging your tax return

To be eligible to claim a tax deduction for an after-tax contribution made to your Vision Super account, you must:

  • Have made a personal contribution to your Vision Super account during the financial year

  • Have the funds still in your Vision Super account at the time of the claim

  • Meet the age-related requirements.

Additional eligibility criteria may apply. For example:

  • You must not have started a pension using that contribution.

  • You must not have lodged a request to split your contribution with your spouse.

  • If you requested a partial lump sum withdrawal and/or a partial rollover out from the account, we can only accept a NOI on a pro-rata basis.

Boost your super via BPAY

BPAY is a secure and convenient way to add to your super directly from your bank account.

Simply log into your banking app or website, select BPAY and enter your BPAY details.

You can find your BPAY details in Member Online.

Log into Member Online

How do I claim a deduction?

It is easy to claim a tax deduction through the Member Online portal. Once you have made a personal contribution, you can simply login and let us know you want to convert it to a tax-deductible contribution.

Alternatively, you can complete this form and email it to us at memberservices@visionsuper.com.au or post it to us.

When should I submit my notice of intent?

You must give us a valid NOI by the earlier of:

  • The day you lodge your tax return for the relevant financial year in which you made the contribution you are claiming a deduction on.

  • Before the end of the next financial year in which you made the contribution, e.g. claims for contributions made in the 2026/27 financial year must be lodged before 30 June 2027.

Not sure how much to contribute?

Understanding how much you can contribute — and whether claiming a deduction is right for you — depends on your income, contribution history and retirement goals.

Our team can help you:

  • Check your available concessional cap

  • Review any unused carry-forward amounts

  • Understand the potential tax benefit

  • Consider how this all fits into your broader retirement plan

Click here to learn more about how a Vision Super financial adviser can assist you in getting the most out of your contributions and superannuation.

To learn more about personal super contributions, including claiming a tax deduction, check out the ATO website.

Any advice on this page is general only and has been issued by Vision Super Pty Ltd (ABN 50 082 924 561) (AFSL 225054) as the Trustee of the Local Authorities Superannuation Fund (ABN: 24 496 637 884) (‘Vision Super’). The advice does not take into account your personal objectives, financial situations or needs. Before acting on the advice, you should consider whether it is appropriate for you, having regard to your own circumstances, and obtain the appropriate Active Super Product Disclosure Statements (PDS) / Member Guides and Target Market Determination (TMD) available from www.activesuper.com.au or the appropriate Vision Super Product Disclosure Statements (PDS) and Target Market Determinations (TMD) available at www.visionsuper.com.au.