Can I contribute to Superannuation at 73?

 Author: RachelATO(Community Moderator)Community Moderator

3 Mar 2026

Hi @ronsee,

Yes, you can continue to contribute to an accumulation super account at 73 years old. There's no limit on the total amount you can hold in accumulation phase across one or more super funds, even while you're receiving an income stream (pension) from another account.

At 73, you can receive contributions without meeting the work test. This includes employer super guarantee contributions and voluntary contributions. From 1 July 2022, you can make or receive non-concessional personal and salary sacrifice contributions without meeting the work test.

If you want to claim a tax deduction for personal super contributions (so they're treated as concessional contributions), you'll need to meet the work test at age 73. The work test requires you to be gainfully employed for at least 40 hours over 30 consecutive days in the financial year.

Keep in mind that contribution caps still apply. These limits determine how much you can contribute to super each financial year before you may need to pay extra tax.

You can check your current super balance and contribution history through ATO online services via myGov. Contact your super fund directly to confirm they accept contributions at your age and to discuss setting up an accumulation account if needed.