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Government Co-Contribution Calculator
See how much free money you could get from the government
If you earn under $64,293 and make a personal (after-tax) super contribution, the government will match it with up to $500 – completely free! Use this calculator to see what you could receive.
Enter Your Details
How the Co-Contribution Works
The government co-contribution is a scheme to help lower-income earners boost their super. Here's the deal:
50 cents for every $1
The government matches 50% of your eligible personal super contributions
Up to $500
Contribute $1,000 to get the maximum $500 (if income allows)
Income threshold
Full benefit if income under $49,293, phases out at $64,293
Co-Contribution Phase-Out
| Your Income | Max Co-Contribution | You Contribute |
|---|---|---|
| Under $49,293 | $500 | $1,000 |
| $50,000 | $417 | $834 |
| $55,000 | $250 | $500 |
| $60,000 | $83 | $166 |
| $64,293+ | $0 | N/A |
Co-contribution reduces by 3.333 cents for every $1 your income exceeds $49,293
Eligibility Requirements
Income under $64,293
Total income (assessable + reportable fringe benefits + reportable super)
At least 10% from employment or business
Can't be entirely investment or passive income
Lodge a tax return
ATO pays co-contribution after processing your return
Under 71 at end of financial year
Must be under 71 on 30 June of the relevant year
TSB under $2.1 million
Total Super Balance at 30 June prior year
Don't claim a deduction
The contribution must be non-concessional (after-tax)
Where to Next?
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Accuracy Note: Whilst every effort has been made to provide current and accurate information, I am only one person and there's a very good chance that I'll miss something. If you spot a factual error, or if a calculator breaks or gives incorrect answers, I'd be really grateful if you could let me know via the Contact Us page so I can fix it ASAP.
It would speed up the correction process enormously if you could cite for me the title of the page where you find the error and describe what the error is. Thanks heaps for your support in keeping this valuable resource up to date for everyone's benefit.