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Government co-contribution


Through the government's co-contribution initiative, if you contribute after-tax money to your super, you may be eligible to receive a contribution from the government if your income is below $52,697 (for the 2018-19 financial year).

To be eligible for the maximum co-contribution from the government ($500^ each financial year), you would need to add $1,000 into your super and earn under $37,697 (for the 2018-19 financial year). The maximum co-contribution then reduces as your income increases until it cuts out for anyone earning over $52,697 per year.

However, if your total super balance is over $1.6 million on 30 June of the year before the relevant financial year, you won’t be eligible for the government co-contribution. See the Australian Tax office website for more information.

Make sure you qualify

If you earn less than $52,697 a year, there are some other things you need to check to make sure you are eligible:

  • Your total income is under $52,697 for the 2018-19 financial year
  • You have a total super balance less than $1.6 million on 30 June of the year before the relevant financial year
  • You make at least one after-tax contribution to your super account during the financial year
  • 10% or more of your total annual income is from eligible employment, running a business or combination of both
  • You’re an Australian citizen, a permanent Australian resident or a New Zealand citizen working in Australia
  • You lodge an income tax return for the financial year (any member over 65 must satisfy the work test)
  • You’re under 71 years of age at the end of the financial year.
  • You’ve provided us with your TFN.

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

Co-Contributions Calculator*

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


How to make a contribution

It’s easy to make additional contribution payments into your Rest or Acumen account via:

To make the most of this you need to make your after-tax contribution before 30 June each financial year.


^ The amount of government co-contribution you can receive depends on how much you contribute and what your income is.

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