Super co-contribution

Some low or middle-income earners may benefit from a government top-up of their super contributions.

The government co-contribution is paid to individuals who make a personal super contribution and don’t claim a tax deduction.

Who is eligible?

You may be eligible for a super co-contribution, if:

• more than 10% of your total income is from employment or carrying on a business
• you have lodged an income tax return
• non-concessional contributions don't exceed the relevant contributions cap
• your total super balance is less than the general transfer balance cap (currently $1.7 million)
• you are less than 75 years old.

How is the co-contribution paid?

You don’t need to lodge a claim for the co-contribution.

The Australian Tax Office will assess your eligibility once you lodge your Income Tax Return and pay any amount due into your Brighter Super account. The co-contribution doesn’t count towards your taxable income.

Other help for low-income earners

The government’s Low Income Super Tax Offset (LISTO) may also help low income earners who make personal super contributions.

Read more about the Low Income Super Tax Offset