Super Co-Contribution CalculatorGet Up to $500 From the ATO — 2025–26
Find out if you're eligible for up to $500 in government co-contributions to boost your retirement savings.
Calculate Your Co-Contribution
Enter your details to estimate your government co-contribution eligibility
Understanding the Government Super Co-Contribution
Co-Contribution Eligibility for 2025–26
To receive the government co-contribution you must: earn less than $62,488 in total income, make a personal non-concessional super contribution, lodge a tax return, have a total super balance under $2 million, be under age 71 at the end of the financial year, and not hold a temporary visa.
How the Co-Contribution Is Calculated
The maximum co-contribution is $500 if you earn $47,488 or less and contribute at least $1,000 in personal non-concessional contributions. For incomes between $47,488 and $62,488, the co-contribution reduces progressively. The ATO calculates and pays it automatically after you lodge your tax return — no application is needed.
How to Claim the Super Co-Contribution
You don't need to apply. Simply make a personal after-tax contribution to your super fund and lodge your tax return. The ATO matches your contribution data with your tax return and deposits the co-contribution directly into your super fund, usually within a few months of your return being processed.
Co-Contribution vs LISTO
The Low Income Super Tax Offset (LISTO) and the co-contribution serve different purposes. LISTO refunds the 15% tax on concessional contributions for incomes under $37,000, while the co-contribution matches personal non-concessional contributions for incomes under $62,488. Many low-income earners qualify for both.
Frequently Asked Questions About the Super Co-Contribution
Common questions about eligibility, thresholds, and how the government co-contribution works
Official ATO Information
For official rules, thresholds, and eligibility criteria, refer to the Australian Taxation Office.
View ATO Super Co-Contribution InformationRelated Articles
Super Co-Contribution Explained
Full 2025-26 guide to the super co-contribution including eligibility, thresholds, and how to receive up to $500.
How the Super Co-Contribution Is Calculated
Plain English breakdown of the 50c matching rate, 3.333c taper, and worked examples.
Super Co-Contribution Eligibility
Complete 2025-26 checklist including income tests, age rules, and contribution requirements.
How to Claim the Super Co-Contribution
Step-by-step guide to deadlines, whether you need to apply, and when the ATO pays it.
Super Co-Contribution Thresholds Explained
The $47,488 and $62,488 income limits explained with taper rate examples.
Super Co-Contribution vs LISTO
How the two government incentives differ and whether you can receive both.
General Information Only
This calculator provides general information only and does not constitute personal financial advice. Results are estimates based on the inputs provided and current ATO rates. Your actual tax obligations may differ. Please consult a licensed financial adviser before making any financial decisions.
Who qualifies, how much you can receive, and when it makes sense.
You could be eligible for a $500 government co-contribution. Most people who qualify never claim it.
It usually comes down to one detail in how your contributions are set up. Let's check if you're on track.
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