07 3262 6585 Book a time

Picture Book · Super contributions

The Government co-contribution

Story pages

A young woman in her late twenties arranging shirts on a rack in a small clothing shop
Meet Mia. She's 29, works in retail and earns about $45,000.
A small potted plant receiving a few drops from a watering can held by a gentle hand
If she makes an after-tax contribution, the Government may add up to $500.
Two coins side by side on a wooden table
It pays 50 cents for every dollar, so a $1,000 contribution can earn the full $500 if her income is $49,293 or less (2026–27).
A gentle hill sloping down to a creek
The amount phases down above that, and stops at $64,293.
A young woman in her late twenties counting stock in a shop storeroom
She must earn at least 10% of her income from work or a business and lodge a tax return.
A young woman in her late twenties smiling as she checks a letter at her letterbox
There's no form. The ATO pays it to her fund automatically if it has her tax file number.

The end

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisersRead the full article

Next story: The low income super tax offset

General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

1 / 7

Swipe, use the arrows, or press ← → on your keyboard.

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisersor call 07 3262 6585

Keep exploring: More super contributions stories · All picture books · Age Pension what-if planner · Cost-of-living help for homeowners