Spouse Super Contribution Tax Offset Calculator
Calculates the tax offset for contributing to a low-income spouse’s super.
Your result
Estimate only. Results update as you type.
How this calculator works
Offset = 18% of the lesser of your contribution and $3,000, where $3,000 reduces by $1 for every dollar of spouse income above $37,000.
Worth knowing
The full $540 offset needs a $3,000 contribution and a spouse earning $37,000 or less.
Guides for this calculator
- How the Spouse Super Contribution Tax Offset Calculator Works (With a Worked Example)
- Getting the Most From a Spouse Super Contribution Tax Offset Calculator: Tips and Common Errors
Questions
- Are the projections guaranteed?
- No. Investment returns vary from year to year. Treat projections as a guide for planning, not a forecast.
- What is the super guarantee rate?
- It is 12% of ordinary time earnings from 1 July 2025.
- Should I get advice?
- For decisions like salary sacrifice, contribution strategies or retirement income, a licensed financial adviser can look at your full situation. This site provides general information only.
This calculator gives general estimates using published Australian rates and formulas. It doesn’t consider your personal circumstances. Check current figures with the ATO, your state government or a qualified professional before making decisions. See our disclaimer.