• Super co-contribution

    The super co-contribution is intended to help eligible people boost their retirement savings.

    If you are a low or middle-income earner and make personal (after-tax) super contributions to your super fund, the government also makes a contribution (called a co-contribution) up to a maximum amount of $500.

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

    You don't need to apply for the co-contribution. If you're eligible and the fund has your tax file number (TFN) we will pay it to your fund account automatically.

    The way your co-contribution is calculated depends on the financial year in which you made your personal super contributions.

    Sections within this document include:

    See also:

    Eligibility for the super co-contribution

    You will be eligible for the super co-contribution if you can answer yes to all of the following:

    • you made one or more eligible personal super contributions to your super account during the financial year
    • you pass the two income tests    
    • you were less than 71 years old at the end of the financial year
    • you did not hold a temporary visa at any time during the financial year (unless you are a New Zealand citizen or it was a prescribed visa)
    • you lodged your tax return for the relevant financial year.

    You are not entitled to a super co-contribution for personal contributions you have been allowed as a tax deduction.

    See also:

    • Last modified: 26 Nov 2015QC 17469