Calculate your spouse super contribution tax offset for 2025-26. Get up to $540 tax offset while boosting your spouse's retirement savings.
Maximum tax offset available
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Balance retirement savings together
Latest ATO rates and thresholds
If spouse earns ≤ $37,000:
18% of contribution (max $540)
If spouse earns $37,000-$40,000:
Offset reduces by $1 for every $1 over $37,000
If spouse earns ≥ $40,000:
No tax offset available
Your spouse's total assessable income for the financial year
Amount you contributed to your spouse's super fund
Compare different scenarios to see how spouse income and contribution amounts affect your tax offset. All scenarios assume eligibility criteria are met.
| Spouse Income | Your Contribution | Tax Offset | Effective Return |
|---|---|---|---|
| $30,000 | $1,000 | $180 | 18.0% |
| $30,000 | $2,000 | $360 | 18.0% |
| $30,000 | $3,000 | $540 | 18.0% |
| $35,000 | $1,000 | $180 | 18.0% |
| $35,000 | $2,000 | $360 | 18.0% |
| $35,000 | $3,000 | $540 | 18.0% |
| $38,000 | $1,000 | $180 | 18.0% |
| $38,000 | $2,000 | $360 | 18.0% |
| $38,000 | $3,000 | $360 | 12.0% |
Learn how spouse super contributions can benefit your family's retirement planning and tax situation.
The government provides an 18% tax offset on contributions you make to your spouse's super fund
The maximum offset is $540 per year (18% of $3,000)
Your spouse's income must be under $40,000 for you to be eligible
The $3,000 contribution base reduces by $1 for every $1 over $37,000 (reducing your offset by 18 cents per dollar)
If your spouse earns $35,000 and you contribute $2,000:
• Your spouse's income is under $37,000, so max offset applies
• 18% of $2,000 = $360 tax offset
• You save $360 on your tax bill while boosting spouse's super by $2,000
Helps balance super between partners for retirement planning
Particularly beneficial if one spouse has career breaks
Increases total household super for better retirement outcomes
Can help both spouses access super tax benefits in retirement
Contributions must be non-concessional (after-tax) contributions
Your spouse must be under 75 years old
Both spouses must be Australian residents
Spouse's super balance must be under $2 million
Consider overall contribution caps and strategies
Common questions about spouse super contributions and how our calculator can help you maximise your tax benefits.
Use our spouse super contribution calculator above to see exactly how much tax offset you can claim. This strategy can be a powerful way to boost your household's retirement savings while reducing your tax bill.
Important: This calculator provides estimates based on 2025-26 tax rules. Please seek professional advice before making significant financial decisions.
Learn more from the official ATO guidelinesExplore other super strategies that may complement spouse contributions:
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