Estimate the government co-contribution (up to $500) on your personal after-tax super contributions for 2025–26, based on your income.
The government co-contribution adds up to $500 to your super if you're a low-or-middle income earner who makes a personal after-tax contribution. It's effectively a 50% return on the first $1,000 you contribute.
| Total income | Max co-contribution |
|---|---|
| $47,488 or less | $500 |
| $55,000 | $250 |
| $62,488 or more | $0 |
Contribute $1,000 of after-tax money and, if your income is at or under $47,488, the government adds $500. Between $47,488 and $62,488 the maximum reduces by 3.33c per dollar of income.
Up to $500 — 50c per $1 of personal after-tax contributions, for incomes at or under $47,488, phasing out at $62,488.
You must make a personal after-tax contribution, earn at least 10% of income from work, be under 71, and stay within your contribution caps and balance limits.
No. The ATO works it out from your tax return and your fund's record of your contribution, then pays it to your super automatically.