Im self employed and so confused by super that I have never contributed. I have read about it but still I cant get my head around it. I rang hesta who my account is with and they werent helpful at all. I dont understand the before tax and after tax thing. On one website it says this - "Non-concessional (after-tax) contributions where no tax deduction is claimed are capped at $100,000 a year. This includes after-tax contributions made by you, your employer or your spouse. No contributions tax is paid on your money going in, but any excess contributions will be taxed at 47%." Does this mean I can put 100k in and I dont pay any tax? Could someone please explain in layman's terms how much exactly I can put into my super account and how much tax I will pay on it and how I pay it.