Super Co-Contribution Calculator
Check if you are eligible for the government super co-contribution. Get up to $500 free money in your super by contributing $1,000 after-tax.
Disclaimer
This calculator provides estimates for general information purposes only. Results should not be relied upon as professional financial, tax, or legal advice. Tax rates and thresholds are based on publicly available ATO data and may change. Always consult a qualified tax agent or financial adviser for advice specific to your circumstances.
Frequently Asked Questions
What is the super co-contribution?
Am I eligible for the co-contribution?
Do I need to claim it?
Is salary sacrifice eligible for co-contribution?
What is Super Co-Contribution?
The government super co-contribution is a federal incentive for low-to-middle-income earners to contribute personally to super. The government adds 50 cents for every $1 of after-tax contribution, up to a maximum of $500 per year. It's effectively a 50% return on your contribution.
How this calculator works
This calculator applies the 2025-26 thresholds: full $500 co-contribution if income ≤ $47,488, phasing out linearly to $0 at $62,488. To get the maximum, contribute $1,000 after-tax. The match rate is 50c/$1, so $500 contribution = $250 co-contribution; $1,000 = $500 (the cap). Eligibility checks include age (under 71), 10% income from employment/business, total super balance under $2.0M.
Why It's Worth Doing
The co-contribution is one of the highest-return savings options available. Contribute $1,000 of after-tax savings (so you've already paid income tax on it), and the government adds $500 — that's an immediate 50% return, before the funds even start earning investment returns. Plus, the $500 goes into super tax-free (no contributions tax).
Eligibility Conditions
To qualify you must: be under 71 at end of financial year; have total super balance under $2.0M at 30 June prior year; derive ≥10% of total income from employment or running a business; lodge a tax return; the contribution must be within the non-concessional cap ($120,000); make the contribution as personal after-tax (not salary sacrifice); your fund must report the contribution to the ATO.
How to Make a Personal Contribution
Most super funds allow you to make personal contributions via BPAY or direct debit. Get the BPAY code from your fund's website or member portal. The contribution must be received by the fund by 30 June to count for that financial year. Don't claim it as a tax deduction (that would make it concessional, not non-concessional).
When Will I Get the Co-contribution?
The ATO automatically pays it once they've received both your tax return and your fund's contribution report. Most people receive it within 60 days of lodging. You can check status via myGov ATO Online → Super → Co-contributions. No claim form needed.
Updated for the 2025-26 financial year (1 July 2025 to 30 June 2026).
Official Sources
All calculations are performed in your browser — your data never leaves your device. Results are for general guidance only and should not be considered professional financial advice.
Built and maintained by Konstantin Iakovlev. Data sourced from the ATO and official Australian government sources.