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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 the Government co-contribution scheme?

The co-contribution scheme is designed to help lower and middle-income earners boost their retirement savings.

How it works

For every dollar you add to your super from your take home pay, 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 total income of $52,697. 

To qualify for the maximum $500, you must earn a total income of no more than $37,697 in 2018/19 and have made an after-tax contribution of $1,000 into your super account. 

The co-contribution will automatically be deposited into your legalsuper account once your income tax return is processed by the Australian Taxation Office (ATO).

+ Find out if you’re eligible

To receive the Co-contribution, you must:

  • have provided legalsuper with your Tax File Number (TFN);
  • have made one or more eligible personal super contributions to your super account by 28 June 2019 to allow legalsuper to process your payment and meet the 30 June 2019 cut off date;
  • earn a total income less than $52,697 (10% or more of your total income must come from employment-related activities, carrying on a business, or a combination of both);
  • lodge your income tax return for the 18/19 financial year. You’ll need to complete the ‘Adjustment - A3 government super contribution’ section;
  • be under 71 years of age at the end of the financial year;
  • not exceed the after-tax contributions cap;
  • have a total super balance less than the transfer balance cap (currently $1.6 million) at the end of 30 June of the previous financial year; and
  • not hold a temporary visa at any time during the financial year (unless you are a New Zealand citizen or it was a prescribed visa).

More information can be found on the ATO website.

+ How to make after-tax contributions?

Contributions made in the 2018–19 income year

Step 1
If my total income is:
Step 2
To receive the max Government
co-contribution, I need to make a
personal (after-tax) contribution by 30 June 2019 of:
Step 3
The max Government co-contribution I can receive is:
$37,697 or less$1,000$500
$51 ,697$66$33
$52,697 or morenot eligiblenot eligible