Back to Calculators

Government co-contribution calculator

The government co-contribution scheme is designed to help eligible low or middle-income earners gain a boost to their super savings from the government.

If your annual total income is below $60,400 for the 2024-2025 financial year, and you make an after-tax personal contribution to your super and meet other eligibility criteria, the government can add up to $500* to your super for that financial year. For more information about eligibility visit the ATO’s website.

Curious as to what you may be eligible for? Estimate how much you could receive as a government co-contribution using our handy calculator below.

What is your total income?

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

How much do you intend to contribute?

Co-contributions you could receive

How much do you need to contribute to receive the maximum co-contribution?

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

Click here to read more about government co-contributions

Calculator notes

  • This calculator is relevant to the 2024-2025 financial year only.
  • To be eligible for the government co-contribution you must meet strict criteria. For more information about eligibility visit the ATO’s website.
  • The calculator’s results are an estimate only. It does not take account of your objectives, financial situation or needs. The calculator should not be relied on for the purposes of making a decision in relation to a financial product. We recommend you seek advice from a licensed financial adviser before making any financial decisions
*The maximum $500 co-contribution for a financial year applies when your total income is equal to or less than the lower income threshold ($45,400 for the 2024-25 financial year) and you make an after-tax contribution of $1000. The amount of the government co-contribution reduces by 3.333 cents for every dollar you earn above the lower income threshold, until you reach the higher income threshold ($60,400 for the 2024-25 financial year). You will not receive any government co-contribution if your total income is equal to or greater than the higher income threshold.