Super co-contribution calculator
If you earn under $60,400 and put after-tax money into super, the government matches it 50c on the dollar — up to $500. This calc shows exactly what you'd get.
Built on 2025-26 ATO rates · Last reviewed April 2026
Government co-contribution
$500
That's a 50% instant return on your $1,000 contribution — before any investment earnings.
How to claim. Make the contribution to your super fund before 30 June. Make sure the fund has your TFN. Lodge your tax return. The ATO calculates eligibility automatically and deposits the co-contribution into your super 2–3 months later. No form to lodge. You can stack this with spouse offset and LISTO if eligible.
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Where these numbers come from
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Co-contribution explained →General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.