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Picture Book · Super contributions

The low income super tax offset

Story pages

A young man in his early twenties with a backpack walking across a university lawn
Meet Kai. He's 23 and works part time while studying.
A young man in his early twenties making coffee behind a cafe counter
His employer pays super for him, and his fund takes 15% contributions tax on it.
A small paper boat floating back to the edge of a pond
If his adjusted taxable income is $37,000 or less, he may get that tax back.
A glass jar on a desk with a few coins and a sprig of eucalyptus beside it
It's called the low income super tax offset, and it's paid into his super, up to $500.
A young man in his early twenties writing his name on a form at a table
He doesn't need to apply. It's paid automatically if his fund has his tax file number.
A young man in his early twenties smiling at his phone on a train
Kai makes sure his fund has his TFN.

The end

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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:

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