Super Co-Contribution & Spouse Super Offset Calculator
Calculate government co-contributions up to $500 on after-tax super contributions, plus up to $540 tax offset for contributing to a low-income spouse.
Calculate government co-contributions up to $500 on after-tax super contributions, plus up to $540 tax offset for contributing to a low-income spouse.
Calculate government co-contributions up to $500 on after-tax super contributions, plus up to $540 tax offset for contributing to a low-income spouse. Calculate exact, penny-accurate projections compliant with 2026 ATO • Reserve Bank of Australia (RBA) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Paid directly by the ATO into your super fund account.
Co-contribution = min($500 - (Income - $45,400) × 0.0333, Contribution × 50%)Spouse tax offset = min($3,000 - (Spouse Income - $37,000), Contribution) × 18%.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual ATO tax rates, superannuation rules, RBA cash rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult an ASIC-licensed financial advisor or CPA prior to executing financial commitments.
If you are a low or middle-income earner and make personal (after-tax) contributions to your super, the government will co-contribute up to $500 directly into your super fund at a rate of 50 cents per dollar contributed up to $1,000.
You can receive an 18% tax offset of up to $540 on your personal tax return when you contribute up to $3,000 to your low-income or non-working spouse's superannuation account.
No. Because non-concessional contributions are made from your post-tax take-home salary, the super fund does not deduct the standard 15% contributions tax.
Calculate net take-home pay across weekly, fortnightly, monthly and annual periods with updated Stage 3 tax cuts, Medicare Levy (2%), and 12% Superannuation.
Calculate compulsory HECS/HELP repayments based on your Repayment Income (1% to 10% tiers) and estimate annual inflation indexation impacts.
Estimate your 2% Medicare Levy, low-income threshold phase-in relief, and Medicare Levy Surcharge (MLS 1% to 1.5%) if you do not have private hospital cover.