Superannuation Co-ContributionCalculator

The super co-contribution is a government payment of up to $500 into your super fund when you make eligible personal after-tax contributions and meet certain income and work tests.

You need to earn below $62,488 in 2025-26, be under age 71 on 30 June, contribute after-tax money to super, and earn at least 10% of your income from employment or business. You must also lodge a tax return and have a super balance under $2 million.

Personal contributions must be made by 30 June of the financial year to be eligible for that year's co-contribution. The ATO assesses eligibility based on contributions made during the financial year ending 30 June.

For 2025-26, the general non-concessional (after-tax) contribution cap is $120,000 per year. If you're under 75 and have a super balance below $2 million, you may be able to bring forward up to 3 years' worth of caps ($360,000). These caps can change annually, so check with the ATO for current rates.

No. The ATO will automatically assess and pay it to your super fund once you lodge your tax return and your super fund holds your TFN.

You can receive up to $500. The exact amount depends on your income and how much you contribute personally from after-tax income.

Typically between November and January after you lodge your return and the ATO processes it. The ATO will assess your eligibility based on the information in your tax return and contributions made during the financial year.