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Super co-contribution

Some low or middle-income earners may benefit from a government top-up of their super contributions.

The government co-contribution is paid to individuals who make a personal super contribution and don’t claim a tax deduction.

How much is the co-contribution?

The co-contribution is paid at 50c of each dollar contributed up to a maximum of $500. To qualify for the maximum co-contribution, you need to contribute $1,000 and have total income below $42,016 1.

Once total income exceeds $42,016 , the co-contribution decreases by 3.333 cents in every dollar paid into super. It cuts out completely when total income reaches $57,016.

1For the purposes of the super co-contribution, total income is assessable income plus reportable fringe benefits plus reportable employer super contributions.

Who is eligible?

You may be eligible for a super co-contribution, if:

  • more than 10% of your total income is from employment or carrying on a business
  • you have lodged an income tax return
  • non-concessional contributions don't exceed the relevant contributions cap
  • your total super balance is less than the general transfer balance cap (currently $1.7 million)
  • you are less than 75 years old.

How is the co-contribution paid?

You don’t need to lodge a claim for the co-contribution.

The Australian Tax Office will assess your eligibility once you lodge your Income Tax Return and pay any amount due into your Brighter Super account. The co-contribution doesn’t count towards your taxable income.

Other help for low-income earners

The government’s Low Income Super Tax Offset (LISTO) may also help low income earners who make personal super contributions.

Read more about the Low Income Super Tax Offset

Get some advice on co-contributions

Like to see if you’re able to access the government co-contribution and how it could benefit you? Let us know and one of our advisers will be in touch.
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