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10 Superannuation

Contributing to Superannuation

Government Co-Contribution

The Government co-contribution is available to certain individuals who make eligible personal contributions (being a personal contribution for which no tax deduction has been claimed) to a super fund. The Government co-contribution is payable to you if:

  • you make a personal non-deductible contribution; and
  • at least 10% of your total income is from eligible employment related activities, running a business or a combination of both; and 
  • your total income for the income year is less than $53,564;
  • you lodge a tax return for the relevant year;
  • you are under age 71 at the end of the income year in which the contribution is made;
  • you do not exceed your non-concessional contributions cap in the relevant financial year; and
  • you do not have a total superannuation balance equal to or greater than $1.6 million.

The co-contribution is paid at a rate of 50% of the eligible contributions with a maximum co-contribution of $500.


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