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Super Co-Contribution Calculator

Find out how much free money the government will add to your super. Enter your income and planned personal contribution to see your estimated co-contribution.

Last verified: 5 May 2026

Reviewed by the Savings Mate editorial team — figures fact-checked against the ATO, Services Australia and ASIC MoneySmart.

How much is the super co-contribution in 2026-27?

The Government matches 50c per $1 of personal after-tax super contributions, up to $500/year. The full $500 is available for incomes up to $49,293 (with at least $1,000 of personal contributions), tapering by 3.333c per extra $1 of income to $0 at $64,293. No application needed — the ATO pays it into your super after you lodge your return, as long as you made a personal non-concessional contribution that year and your super fund has your TFN on file. Source: Australian Taxation Office.

Worked examples. $40,000 income, $1,000 personal contribution → $500 co-contribution (a 50% instant return on $1,000). $57,000 income, $1,000 contribution → max reduces to 3.333c × ($57,000 − $49,293) = ~$243, so co-contribution = ~$243. Earn $64,293 or more and the co-contribution is $0. Must be under 71 and have a total super balance below the transfer balance cap ($2.1M).
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Total income including salary, investments, and business income

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Non-concessional (after-tax) super contribution you plan to make

General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.

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