AusSchemes is not a government service. This information is general in nature and may not reflect the most recent eligibility rules or amounts. Always confirm details on the official source before applying.
Super Co-Contribution
A government contribution to your super when you make after-tax (personal) contributions — designed to help low and middle income earners boost their retirement savings.
Indicative amount
Up to $500/year added to super by government
Indicative amount only — confirm on the official page
What you get
The government contributes up to $500/year to your super for eligible after-tax contributions. For every $1 of eligible after-tax super contribution, the government adds $0.50 (for incomes up to ~$45,400, tapering to zero at ~$60,400).
Who it's for
Relevant life events: cost of living
How to apply
1. Make after-tax contributions to your super fund during the income year. 2. Lodge your tax return. 3. The ATO automatically calculates and pays the co-contribution to your super fund — no separate application needed.
Documents you may need
- Tax return lodgement
- Super fund with eligible contributions
Informational only — confirm exact requirements on the official page.
You will be taken to www.ato.gov.au
Last reviewed by AusSchemes: 20 April 2026