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Could you qualify for a Government co-contribution of up to $500?

If you earn under $60,400 in the financial year ending 30 June 2025, the Government can chip in up to $500 to help boost your super when you make a voluntary non-concessional (after-tax) contribution to your TWUSUPER account. This is known as the Super Co-contribution Scheme.

How much could you get?

If you meet the criteria, how much the Government co-contributes depends on two things:

  1. How much you earn
  2. How much you contribute

Use this calculator to see how much you could get.

Use calculator

How to contribute

You can make a contribution to your TWUSUPER account with BPAY®. Get your unique BPAY® Code by logging into Member Online or calling 1800 222 071 between 8am and 8pm (AEST/AEDT) weekdays.

® Registered to BPAY Pty Ltd ABN 69 079 137 518.

Eligibility

To be eligible for a co-contribution for 2024/25, you must make at least one after-tax contribution to your super during the financial year and:

  • earn under $60,400 in 2024/25
  • have provided us with your Tax File Number (you can log in to Member Online to see if we have your TFN)
  • be under 71 years at 30 June 2025
  • received 10% or more of your income from employment and/or running a business
  • not have held a temporary visa at any time during the financial year (unless you're a New Zealand citizen or on a prescribed visa)
  • have had less than $1.9 million in all your super accounts at 30 June 2025
  • have not contributed more than your after-tax cap for 2024/25
  • lodge a tax return for 2024/25.

The ATO website goes into these requirements in more detail.

Important note

If you receive a government co-contribution, you cannot also claim a tax deduction on your voluntary after-tax contribution.

Speak to a contribution specialist

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*Let us know your preferred contact number and preferred callback time between 9am and 5pm (AEST/AEDT) weekdays.

Eligibility requirements can be confusing, and you may need to talk over your contributions options with a specialist. We have super specialists at TWUSUPER ready to help members with their general contributions enquiries – including whether you could qualify for the co-contribution. The team's available between 9am and 5pm (AEST/AEDT) on 1800 222 071.

Use the form below to request a call back. Note that the call back service is available for Australian residents only. If you're overseas, please call +61 3 9192 4414.

Request a call back

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General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Refer to our Product Disclosure Statements (PDS). The PDS is relevant when deciding whether to acquire or hold a product. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at twusuper.com.au/tmd