Government Co-Contribution Eligibility

Could you get a government boost to your super?

You may be eligible for the super co-contribution if you meet all the following conditions:

• Your total income is less than $62,488 for the 2025/26 financial year
• You made one or more eligible personal (after-tax) contributions to your super during the financial year
• You meet both income tests:
  • • Your total income is under the threshold
    • At least 10% of your total income comes from employment or running a business
• You are under 71 years old at the end of the financial year
• You did not hold a temporary visa at any time during the relevant financial year (unless you are a New Zealand citizen or held a prescribed visa)
• You lodge your tax return for the relevant financial year
• Your total super balance was less than the general transfer balance cap as at 30 June of the previous financial year. (The cap for 2024-25 is $1.9 million).
• You have not exceeded your non-concessional contributions cap (currently $120,000).
• You are not claiming a tax deduction for the personal (after-tax) contributions you want the co-contribution for

Just be mindful, you won’t receive a super co-contribution for any personal (after-tax) contributions you have claimed a tax deduction for.

Ready to make an after-tax contribution? Click here to learn how.