Super Co-contribution Calculator
Find out how much the government will add to your super when you make a personal after-tax contribution.
Government Co-contribution
$0
Your Contribution
$0
Total Super Boost
$0
Effective Return Rate
—
Eligibility Status
—
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How the Government Co-contribution Works
The super co-contribution is one of the most generous perks available to low and middle income Australians. For every dollar of personal (after-tax) super contributions you make, the government contributes 50 cents — up to a maximum of $500.
Income Thresholds (2024–25)
The co-contribution is income-tested:
- Income ≤ $45,400: Maximum co-contribution of $500 (on $1,000 personal contribution)
- Income $45,401 – $60,400: Co-contribution phases out gradually to zero
- Income > $60,400: No co-contribution payable
Eligibility Requirements
You must meet all of the following:
- Total income below $60,400 for the income year
- At least 10% of income from eligible employment or self-employment
- Age under 71 at 30 June of the income year
- A super fund account in accumulation phase
- Lodge a tax return for the income year
- Be an Australian resident for tax purposes
How It's Paid
You don't apply for the co-contribution — the ATO calculates it automatically when you lodge your tax return and deposits it directly into your nominated super fund. Make sure your super fund has your tax file number on record, otherwise the payment may not be processed.
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Frequently Asked Questions
How much should I contribute to maximise the co-contribution?
If your income is $45,400 or below, contributing $1,000 after-tax to super will give you the maximum $500 government co-contribution. At higher income levels, the $1,000 contribution still maximises the co-contribution for your income level, but the amount received is lower.
Does my employer's SG contribution affect eligibility?
No. The co-contribution is based on personal after-tax contributions, not employer contributions. Your employer's SG contributions do not affect your eligibility or the amount you receive. Only contributions you make yourself from your take-home pay count.
Can I claim the co-contribution and a tax deduction for the same contribution?
No. If you claim a tax deduction for a personal super contribution (making it concessional), that contribution is excluded from the co-contribution calculation. The co-contribution only applies to non-concessional (after-tax) contributions for which no deduction is claimed.
What income is included in the income test?
The income test includes your taxable income, total reportable fringe benefits, and reportable employer super contributions. It does not include non-taxable government payments. If your reportable employer super contributions are high, this can push you over the threshold.
Disclaimer: This calculator provides estimates based on 2024–25 co-contribution thresholds. Eligibility depends on meeting all ATO requirements including employment income rules, age, and residency. This is not financial or tax advice. Consult the ATO website or a tax professional for your specific circumstances.
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