What is the super co-contribution?

The super co-contribution is a government payment made directly into your super fund when you make personal (after-tax) contributions and your total income is below the threshold ($60,400 for 2025-26). The government matches 50 cents for every dollar you contribute, up to a maximum of $500 per financial year. It is designed to help low and middle-income earners boost their retirement savings.

How much can I get from the super co-contribution?

The maximum government co-contribution is $500 per financial year. To receive the full $500, you need to earn $45,400 or less (for 2025-26) and make at least $1,000 in personal non-concessional super contributions. If your income is between $45,400 and $60,400, the maximum co-contribution reduces progressively. For every dollar of income above $45,400, the maximum co-contribution decreases by 3.333 cents.

Do I need to apply for the super co-contribution?

No, you do not need to apply. The ATO automatically determines your eligibility when you lodge your tax return. If you are eligible and have made personal non-concessional super contributions during the financial year, the ATO will pay the co-contribution directly into your super fund. You should ensure your super fund has your tax file number (TFN) on record so the ATO can process the payment.

Who is eligible for the super co-contribution?

To be eligible for the super co-contribution, you must: earn less than $60,400 in total income (for 2025-26), make one or more personal non-concessional (after-tax) super contributions during the financial year, lodge a tax return for that year, have at least 10% of your total income from eligible employment or business, be under age 71 at the end of the financial year, not hold a temporary visa, and have a total super balance below the transfer balance cap ($1.9 million).

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Last verified: 1 July 2025

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