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  • Making personal super contributions

    Personal super contributions are the amounts you contribute to your super fund from your after-tax income (that is, from your take-home pay). These contributions:

    • are in addition to any compulsory super contributions your employer makes on your behalf
    • do not include super contributions made through a salary-sacrifice arrangement.

    To be eligible for the super co-contribution, your personal contributions need to be paid to a complying super fund. However, personal contribution amounts claimed (and allowed) as an income tax deduction will not be eligible for the co-contribution.

    How to make personal super contributions

    You do not need to make your personal contributions as a single lump sum – you can make payments throughout the financial year. We use the total amount you have contributed for the year to calculate the co-contribution.

    Your super fund can tell you how to make personal contributions. Most funds offer you a number of options including:

    • BPAY®
    • direct debit
    • through your bank account.

    In some cases, you can make regular super contributions into your super account directly from your after-tax pay. If the contributions come from your before-tax pay, they are generally referred to as salary-sacrificed contributions and will not qualify for the super co-contribution.

    Your super fund needs your TFN before it can accept your personal contributions.

    Your personal contributions must reach your super fund by 30 June each year for you to receive a government co-contribution for that financial year.

    Super co-contribution amounts

    The table below shows examples of what your co-contribution amount would be in 2019–20, depending on your income level and your personal super contribution for the year.

    Contributions made in the 2019–20 income year

    Income

    Personal super contribution of $1,000

    Personal super contribution of $800

    Personal super contribution of $500

    Personal super contribution of $200

    $38,564 or less

    $500

    $400

    $250

    $100

    $41,564

    $400

    $400

    $250

    $100

    $44,564

    $300

    $300

    $250

    $100

    $47,564

    $200

    $200

    $200

    $100

    $50,564

    $100

    $100

    $100

    $100

    $53,564 or more

    $0

    $0

    $0

    $0

      Last modified: 14 Sep 2020QC 17469