Super Co-Contribution Calculator
If you're a low or middle-income earner, the government will pay 50 cents into your super for every $1 you contribute from your own money — up to $500 per year. Work out your entitlement and how much you'd need to contribute to max it out.
Assessable income + reportable fringe benefits + reportable employer super + any salary sacrifice to super, minus business deductions.
Non-concessional (post-tax) contribution from your own money. Salary sacrifice doesn't count.
Must be under 71 at the end of the financial year.
Enter your total income and personal (after-tax) super contribution to estimate the government co-contribution.
All six tests below must be met. Failing any one disqualifies you for the year — the ATO checks them automatically when you lodge.
| Total income | Max co-contribution | Your contribution to max |
|---|---|---|
| $47,488 | $500 | $1,000 |
| $50,000 | $416 | $833 |
| $52,500 | $333 | $666 |
| $55,000 | $250 | $499 |
| $57,500 | $166 | $333 |
| $60,000 | $83 | $166 |
| $62,488 or above | Nil | — |
Assumes the personal contribution is enough to reach the maximum at each income. The match is 50c per $1, so the contribution needed for the maximum is twice the entitlement.
Above the lower threshold, the entitlement reduces by 3.333c for every extra dollar of income, hitting zero at $62,488. Thresholds are indexed each FY to average wages.
Worked example: $50,000 income
At $50,000 of total income — above the $47,488 full-match threshold — the maximum co-contribution is tapered:
You receive the full $416 by contributing $833 of your own after-tax money (a 50% match). Contributing more than that does not increase the co-contribution at this income.
What is the super co-contribution?
Who is eligible for the super co-contribution in 2025-26?
How much do I need to contribute to get the full $500?
How does the income taper work?
What counts as 'total income' for the co-contribution test?
Can salary sacrifice contributions trigger the co-contribution?
Is the co-contribution taxed?
When does the government pay the co-contribution?
How much co-contribution will I get at $55,000 income?
Is the super co-contribution worth it?
Tax Accuracy & Sources
This calculator uses 2025-26 ATO super co-contribution thresholds. Eligibility checks are self-declared — the actual entitlement is determined by the ATO after your tax return is assessed.