Super co-contribution calculator
The government co-contribution for your income and after-tax super contributions, from the current ATO thresholds.
For 2026–27, the government adds 50% of your personal (after-tax) super contributions, up to $500, if your total income is $49,293 or less. The maximum falls by 3.333c for each dollar above that and is nil from $64,293. For example, on $40,000 with $1,000 contributed, the co-contribution is $500.
Estimated co-contribution
$500
paid into your super after you lodge your tax return
- Maximum at your income
- $500
- Contribution needed for that maximum
- $1,000
- Income thresholds
- $49,293 – $64,293
Show the numbers as a table
| Total income | Maximum co-contribution |
|---|---|
| $0 | $500 |
| $7,000 | $500 |
| $14,000 | $500 |
| $21,000 | $500 |
| $28,000 | $500 |
| $35,000 | $500 |
| $42,000 | $500 |
| $49,000 | $500 |
| $56,000 | $276 |
| $63,000 | $43 |
| $70,000 | $0 |
| $74,000 | $0 |
Thresholds
| Income year | Maximum | Full amount up to | Nil from |
|---|---|---|---|
| 2026–27 | $500 | $49,293 | $64,293 |
| 2025–26 | $500 | $47,488 | $62,488 |
Other conditions (not calculated)
- At least 10% of total income comes from employment or carrying on a business.
- Under 71 at the end of the income year, and a total super balance below the general transfer balance cap on 30 June of the previous year.
- Tax return lodged, not holding a temporary visa (with some exceptions), and contributions within the non-concessional cap.
- Total income means assessable income plus reportable fringe benefits and reportable employer super contributions, less certain business deductions.
Sources
- ATO: Government contributions – super co-contribution thresholds (updated 27 April 2026)
- Superannuation (Government Co-contribution for Low Income Earners) Act 2003, ss 9–11
- ATO: Super co-contribution
Figures last checked against official sources: . General information, not financial or tax advice.
Related calculators
Super guarantee calculatorMinimum employer super per pay at the 2026–27 rate, and how much room is left under the concessional cap.Division 293 tax calculatorThe extra tax on concessional super contributions for high incomes, from the ATO threshold and rate.Salary sacrifice calculatorTake-home pay and super with and without pre-tax contributions, against the 2026–27 cap.
Terms on this page
- ATO · Australian Taxation Office
- The Australian Government agency that runs the tax and super systems.
- AUD · Australian dollars
- All amounts on this site are in Australian dollars unless stated.