Contribution splitting

As a member of Triple S you can split personal and employer contributions with your spouse if they have a Triple S account of their own.

A Triple S Spouse Account can be opened for your spouse if they don’t already have one.

Who is an eligible spouse?

You can split your super with your spouse or putative spouse. For the definition of spouse please see the Glossary.

To accept contribution splits your spouse or putative spouse must be:

  • less than preservation age, or
  • between preservation age and age 65 and not retired from the workforce.

What contributions can be split?

  • Salary sacrifice contributions
  • Employer contributions.

What contributions can’t be split?

  • Rollover amounts
  • Compulsory after-tax or compulsory salary sacrifice contributions
  • Contributions paid by your employer to fund defined benefit entitlements
  • Amounts subject to family law conditions.

When can contributions be split?

  • In the financial year following the year in which the contributions were made (one split per year), or
  • During the same financial year if you are leaving employment with the public sector, if the entire entitlement is to be rolled over, transferred or cashed, before the end of that financial year.

For contributions received in the 2018/19 financial year, there is no limit on the amount that you can split to your spouse. For contributions received in the 2019/20 financial year, and future years, the maximum amount of contributions that can be split is equal to the concessional contribution cap (currently $25,000).

To find out more see the Triple S Reference Guide.