What is the super co-contribution?

The super co-contribution is a government payment of up to $500 into your super fund when you make eligible personal after-tax contributions and meet certain income and work tests.

How do I qualify for the co-contribution?

You need to earn below $62,488 in 2025-26, be under age 71 on 30 June, contribute after-tax money to super, and earn at least 10% of your income from employment or business. You must also lodge a tax return and have a super balance under $2 million.

How much can I receive?

You can receive up to $500. The government matches 50 cents for every $1 of personal after-tax contributions you make to super, up to the maximum. If your income is above $47,488, the maximum entitlement reduces gradually and phases out at $62,488.

Do I need to apply for the co-contribution?

No. The ATO will automatically assess and pay it to your super fund once you lodge your tax return and your super fund holds your TFN.

When is the co-contribution paid?

Typically between November and January after you lodge your tax return and the ATO processes it. The ATO will assess your eligibility based on the information in your tax return and contributions made during the financial year.

When do I need to make my contributions?

Personal contributions must be received by your super fund by 30 June of the financial year to be eligible for that year's co-contribution. Allow time for processing — don't leave it to the last day.

What are the non-concessional contribution caps?

For 2025-26, the general non-concessional (after-tax) contribution cap is $120,000 per year. If you're under 75 and have a super balance below $2 million, you may be able to bring forward up to 3 years' worth of caps ($360,000). These caps are indexed and can change annually.

Superannuation Co-ContributionCalculator

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

Your total income for co-contribution purposes *

ATO Definition: Total income = Assessable income + Reportable fringe benefits + Reportable employer super contributions

Your personal super contributions (non-concessional/after-tax) this year *

These are contributions made from your after-tax income (not from your employer or salary sacrifice). Contributions must be made by 30 June of the financial year.

Is your super balance under $2 million? *

Yes

Will you be under 71 on 30 June this financial year? *

Yes

Are you a temporary visa holder? *

Yes

Have you exceeded your non-concessional contributions cap? *

Yes

The general non-concessional cap is $120,000 per year (2025-26), but can be $360,000 over 3 years if you're eligible for bring-forward provisions. Check with the ATO for current rates.

This calculator assumes you meet the 10% work test (earning at least 10% of income from employment/business) and that contributions are made by 30 June. Additional eligibility criteria may apply.

Learn more about eligibility from the ATO

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 Information

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.

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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.

Superannuation Co-Contribution Explained: A Practical Guide for Australians (2025/26)

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.

Meet Alan O'Reilly — a licensed financial adviser helping Australians get more from their super, without the jargon.

Superannuation Co-ContributionCalculator

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

Your total income for co-contribution purposes *

ATO Definition: Total income = Assessable income + Reportable fringe benefits + Reportable employer super contributions

Your personal super contributions (non-concessional/after-tax) this year *

These are contributions made from your after-tax income (not from your employer or salary sacrifice). Contributions must be made by 30 June of the financial year.

Is your super balance under $2 million? *

Yes

Will you be under 71 on 30 June this financial year? *

Yes

Are you a temporary visa holder? *

Yes

Have you exceeded your non-concessional contributions cap? *

Yes

The general non-concessional cap is $120,000 per year (2025-26), but can be $360,000 over 3 years if you're eligible for bring-forward provisions. Check with the ATO for current rates.

This calculator assumes you meet the 10% work test (earning at least 10% of income from employment/business) and that contributions are made by 30 June. Additional eligibility criteria may apply.

Learn more about eligibility from the ATO

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 Information

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.

Related Calculators

Spouse Contribution Calculator Catch-Up Contributions Calculator View All Calculators

General Information Only

Superannuation Co-Contribution Explained: A Practical Guide for Australians (2025/26)

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.

Meet Alan O'Reilly — a licensed financial adviser helping Australians get more from their super, without the jargon.

Superannuation Co-ContributionCalculator

Calculate Your Co-Contribution

Frequently Asked Questions About the Super Co-Contribution

Official ATO Information

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Super Co-Contribution Explained

How the Super Co-Contribution Is Calculated

Super Co-Contribution Eligibility

How to Claim the Super Co-Contribution

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Super Co-Contribution vs LISTO

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You could be eligible for a $500 government co-contribution. Most people who qualify never claim it.

Superannuation Co-ContributionCalculator

Calculate Your Co-Contribution

Frequently Asked Questions About the Super Co-Contribution

Official ATO Information

Related Articles

Super Co-Contribution Explained

How the Super Co-Contribution Is Calculated

Super Co-Contribution Eligibility

How to Claim the Super Co-Contribution

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Super Co-Contribution vs LISTO

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You could be eligible for a $500 government co-contribution. Most people who qualify never claim it.