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Super Co-Contribution Adjustment

The super co-contribution is a government initiative to boost the super savings of individuals. If you are a low/middle-income individual who made eligible personal super contributions to a super fund or retirement savings account (RSA), the government may match those contributions up to $1,000.

You are eligible for the super co-contribution if all of the following apply

  • you made at least one eligible personal super contribution to a company super fund or RSA during the financial year and you didn’t claim a deduction for your contributions
  • your total income (minus any allowable business deductions) is less than the higher income threshold (currently $61,920)
  • at least 10% of your income came from employment-related activities or carrying on a business
  • you were under 71 years old at the end of the financial year
  • you did not hold a temporary visa during the financial year (New Zealanders excepted)
  • you lodge an income tax return

Eligible personal super contributions do not include the compulsory super contributions made on your behalf by your employer. Nor do they include super contributions made through a salary sacrifice arrangement.

During the 2009-2010 financial year, super co-contribution labels were added to the tax return under the Super Co-Contribution Adjustment section. These questions ask about income from investments, partnerships, and other sources, income from employment and business, and allowable business deductions. While completely this section is not mandatory, it is advisable that you complete it, or else you might receive the incorrect super co-contribution.