Spouse super contributions

Save for retirement together

If your partner has or will take time out of the workforce, perhaps to raise a family or other circumstance, then their super balance could be impacted. Help keep their super balance looking healthy, with spouse contributions.* There could be benefits for you both now and in the future.

There are 2 ways to do this:

1. Make an after-tax contribution into their super.
2. Split your super contributions.

After-tax spouse super contributions

Make an after-tax, spouse super contribution into your partner’s account, or vice versa.

You’ll need your partner’s account details to pay into their super. If they’re with UniSuper, you can pay with BPAY® or by cheque.

The usual rules for after-tax contributions apply.

Tax offset for spouse super contributions

A tax offset of up to $540 each financial year is available on eligible spouse super contributions. You can claim this offset when you do your tax return.

Generally, to be eligible for the tax offset:

• your partner must earn less than $40,000
• you must live together in Australia.

Other eligibility requirements may apply. For more information, visit the ATO website.

Contributions splitting

You may be eligible to pay up to 85% of your before-tax contributions into your partner’s super fund account instead of yours.

To do this, your partner must be aged under 65 or under their preservation age. If they’re over their preservation age but under age 65 they must not be permanently retired.

Eligible before-tax contributions include:

• employer contributions
• salary sacrifice contributions
• contributions for which you’ve claimed a tax deduction.