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Home Super & retirement Super Growing your super Government co-contributions

Government co-contributions

The co-contribution scheme means that for every dollar you put into super from your after-tax pay, the government may match it with up to 50 cents. Find out if you’re eligible.

What is a government co-contribution?

Designed to help low or middle-income earners boost retirement savings, the government offers a super co-contribution payment. To qualify for the maximum $500, you must earn less than $37,697 in 2018/19 and have paid $1,000 from your after-tax wages into your super account. 

For every dollar of after-tax earnings you pay into your super fund, the government gives you another 50 cents up to a maximum of $500. Co-contributions are paid on a reducing scale, cutting out at a salary of $52,697. 

You don't need to apply, just make extra personal super contributions and then complete the A3 government super contribution labels in your income tax return.

Contributions made in the 2018–19 income year

Step 1
If my total income is:
Step 2
The max Government co-contribution I can receive is:
Step 3
To receive the max, I need to make a personal (after-tax) contribution by 30 June 2019 of:
$37,697 or less$500$1,000
$38,697$467$934
$39,697$433$866
$40,697$400$800
$41,697$367$734
$42,697$333$666
$43,697$300$600
$44,697$267$534
$45,697$233$466
$46,697$200$400
$47,697$167$334
$48,697$133$266
$49,697$100$200
$50,697$67$134
$51 ,697$33$66
$52,697 or morenot eligiblenot eligible