Super spouse contributions

If your partner is a low-income earner, working part-time, or currently unemployed, adding to their super could benefit you both financially.  If you’d like to help them by putting money into their super, you might be eligible for a tax offset, while potentially creating additional opportunities for both of you through super spouse contributions.

There are 2 ways of contributing to your spouse’s super:

• You may be able to split contributions you have already made to your own super, by rolling them over to your spouse’s super – known as a contributions-splitting super benefit.
• You can make a super contribution directly to your spouse’s super, treated as their non-concessional contribution, which may entitle you to a tax offset.

To be entitled to the spouse contributions tax offset:

• You must make a non-concessional contribution to your spouse’s super. This is a voluntary contribution made using after-tax dollars, which you don’t claim a tax deduction for
• You must be married or in a de facto relationship.
• You must both be Australian residents.
• The receiving spouse’s income must be $37,000 or less for you to qualify for the full tax offset and less than $40,000 for you to receive a partial tax offset.

If you have any questions relating to Super or spouse contributions, don’t hesitate to get in touch with us at STS Accounting.