Get a $500 * bonus towards your future

Young adults
Young adults

Get a $500 * bonus towards your future


Make your super a little sweeter thanks to a little incentive called a government co-contribution

If you contribute some after tax money to your super, you may be able to receive a boost from the government. It’s their way of rewarding you for making an effort to grow your super.

Things you need to know

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Best suited if your income is below $53,564 (for the 2019-20 financial year).
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You’ve made or will make an after tax contribution into your super by 30 June 2020.
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To get the maximum co-contribution from the government ($500 each financial year), you’ll need to add $1,000 into your super and earn under $38,564 (for the 2019-20 financial year). The maximum co-contribution then reduces as your income increases.

If you earn less than $53,564 a year, there are some other things you need to check to make sure you are eligible.

If you’re over the income threshold, check with your spouse/partner as they may be eligible.

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Your total income is under $53,564 for the 2019-20 financial year. Note: The maximum co-contribution reduces as your income increases.
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10% or more of your total annual income is from eligible employment, running a business or combination of both.
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You make at least one after-tax contribution to your super account during the financial year.
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Youʼre under 71 years of age at the end of the financial year.
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You have a total super balance less than $1.6 million on 30 June of the year before the relevant financial year.
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You lodge an income tax return with the Australian Tax Office for the financial year (any member over 65 must satisfy the work test).
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Youʼre an Australian citizen, a permanent Australian resident or a New Zealand citizen working in Australia.
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Youʼve provided us with your Tax File Number.

To qualify you must not have contributed an amount more than your after tax contributions cap for the relevant financial year.

Use the handy Co-Contributions Calculator* to see your
potential bonus

What is your total income?

Over   isn’t eligible The maximum co-contribution you could receive is  

How much do you intend to contribute?

You will need to contribute to receive the maximum co-contributions

Co-contributions you could receive


If you can’t receive a co-contribution from the government, check out some other ways to top up here.

How to make a contribution



Make one-off or regular payments from your bank account

Get payment details
Direct Debit

Direct Debit

Organise regular payments from your bank account or financial institution
Download form

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*The maximum $500 co-contribution applies when an eligible member makes an after-tax contribution of $1000. The amount the government co-contribution reduces by 3.333 cents for every dollar you earn above the 2019-20 financial year lower income threshold of $38,564 per year, until you reach the higher income threshold of $53,564 per year, after which you will not be eligible to receive the government co-contribution.

As we have not taken into account your circumstances, please consider whether this information suits your needs. Go online for a PDS to consider before deciding. This information is provided by Retail Employees Superannuation Pty Ltd ABN 39 001 987 739 as trustee of Rest (Retail Employees Superannuation Trust ABN 62 653 671 394). Current as at July 2019.

This website is provided by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 24 0003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund), of which Rest Super, Rest Corporate, Rest Pension and Acumen are part. It contains general advice that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness and the relevant Product Disclosure Statement (PDS), which is available on this website. The cost of providing financial services is included in the fees in the Fund as disclosed in the relevant PDS. Rest and the Fund do not charge any additional fees or obtain any commissions for the advice provided. Rest’s employees are paid a salary and do not receive any commissions. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited (ABN 86 079 706 657, AFSL 240004), a wholly owned subsidiary company of Rest, manages some of the fund’s investments. Apart from this, Rest does not have any relationships or associations with any related body corporate or product issuer that might reasonably be expected to be capable of influencing Rest in providing financial services.

Rest personal advice is provided by Rest Advisers as authorised representatives of Link Advice Pty Ltd ABN 36 105 811 836 AFSL 258145

Awards and ratings are only one factor to consider when deciding how to invest your super. Further information regarding these awards can be found at Past performance is not an indicator of future performance. SuperRatings Pty Limited does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria. For further information about the methodology used by Chant West, see