Question 1

What is the super co-contribution?

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

Who is eligible for the super co-contribution?

Accepted Answer

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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