See how much the government will add to your super in 2026–27 if you make personal after-tax contributions.
Key facts
- For 2026–27, the government pays 50 cents for every dollar of personal after-tax super contributions, up to $500.
- The full $500 needs income of $49,293 or less and $1,000 of contributions.
- Between $49,293 and $64,293 the maximum reduces gradually; at $64,293 it's nil.
- At least 10% of your income must come from work or a business, and you must be under 71 at the end of the year.
- Amounts under $20 are paid as $20. It's paid into your super after you lodge your tax return.
Co-contribution by income
| Total income | With $1,000 contributed | With $500 contributed |
|---|---|---|
| $40,000 | $500.00 | $250.00 |
| $49,293 | $500.00 | $250.00 |
| $52,000 | $409.80 | $250.00 |
| $55,000 | $309.80 | $250.00 |
| $58,000 | $209.80 | $209.80 |
| $61,000 | $109.80 | $109.80 |
| $64,000 | $20.00 | $20.00 |
Income thresholds
| Financial year | Lower threshold | Higher threshold | Maximum |
|---|---|---|---|
| 2026–27 | $49,293 | $64,293 | $500 |
| 2025–26 | $47,488 | $62,488 | $500 |
Common questions
How much is the super co-contribution?
Up to $500 for 2026–27: 50 cents for each dollar you contribute after tax, if your total income is $49,293 or less. It reduces above that and stops at $64,293.
Who can get the co-contribution?
You need to make personal after-tax contributions, earn at least 10% of your income from work or a business, be under 71 at the end of the financial year, not hold a temporary visa, lodge a tax return, have a total super balance under the transfer balance cap and stay within the non-concessional cap.
Do I need to apply?
No. The ATO works it out from your tax return and pays it to your fund if the fund has your TFN, usually between November and January.
See also super rates and thresholds and the salary sacrifice calculator.
Sources: ATO, Government contributions and Super co-contribution. Checked 22 October 2026. An estimate; the ATO works out the actual amount.