Government Super Co-Contribution Calculator
Estimate the government co-contribution you could receive for making personal after-tax super contributions on a low or middle income.
Your results
Calculation breakdown
- Entitlement
- min(personal contribution × matching rate, cap), tapered to nil between the lower and upper income thresholds
Worked example
On $40,000 income and a $1,000 personal contribution, with a 50% match and $500 cap, the estimated co-contribution is $500.
Assumptions
- Thresholds and matching rate are legislated and indexed — confirm current figures with the ATO before relying on this.
- Assumes other eligibility conditions (age, residency, work test) are met.
Sources
How this calculator works
This calculator estimates the government's matching co-contribution for eligible personal (after-tax) super contributions made by lower and middle income earners, based on editable income thresholds and the matching rate. Confirm current thresholds with the ATO before relying on the result.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
Who is eligible for the co-contribution?
Broadly, people earning below the upper income threshold who make personal (non-deductible) super contributions and meet other ATO eligibility rules such as age and residency.
How much does the government match?
The default matching rate and thresholds are editable inputs here because they are legislated figures that can change — confirm the current settings with the ATO.
Do I need to apply for it?
No, the ATO usually pays it automatically after you lodge your tax return, provided your fund has your tax file number.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.