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Build a better future together and enjoy the benefits
Give your partner’s super an after-tax boost if they're earning less than $40,000 a year1 or not working right now, and you could both benefit. A spouse super contribution brightens their future and could also reduce your tax.
More money for your partner's savings could also mean a better financial outcome for you.
More in your partner's super means more for their retirement. Save for the future together.
Claim a tax offset of up to $540 on eligible after-tax spouse contributions.
Spouse contributions mean paying money into your spouse's super from your after-tax income. If they are a low-income earner, you may be able to claim a tax offset on the first $3,000 you contribute. Make sure you check your contribution limit for the year.
A spouse includes someone you're legally married to, or in a de facto relationship with. De facto means you live together as a couple.
You may be able to claim an annual tax offset of up to 18% (a maximum of $540) on the first $3,000 you contribute, depending on how much your partner earns each year.
You'll need your partner's account details to make a spouse contribution. If they're a QSuper member, there are some easy ways you can contribute.
First, check your eligibility for spouse contributions and then choose from one of the below options.
If your partner doesn't have a QSuper account but you do, find out whether they can join, or make spouse contributions to their existing super account.
Claiming your spouse contribution tax offset is easy. Just make sure QSuper has your tax file number (TFN) in Member Online.
Splitting before-tax super contributions with your spouse can also help grow their super. Combine this with after-tax spouse contributions for even more benefits.
To claim a tax offset on spouse superannuation contributions:
You aren't eligible to claim this tax offset if:
Discover more ways you and your partner can add to your super, such as other contribution types. Or find out ways to claim a benefit, such as a tax deduction or the government co-contribution.
The tax offset is limited to the first $3,000 you contribute after-tax to your partner each financial year, depending on their income.
However, you can contribute more than this to your partner's super, but make sure your spouse has not gone past their super contributions caps including their non-concessional contributions cap and transfer balance cap.
A tax offset reduces the tax you pay on your taxable income. Your taxable income is your total income less any deductions you claim.
Deciding what is best for you will depend on your personal circumstances and you may want to seek personal financial advice to get the most from your superannuation. If you're a member, find out more about financial advice options on your QSuper account.
Use your partner's spouse contributions BPAY® details from their Member Online account to put money in their super account.
Check how much super you're on track to end up with, what sort of income to expect, and how long your super might last.
®Registered to BPAY Pty Ltd ABN 69 079 137 518.
1. Earnings are defined as the sum of your spouse's assessable income, total reportable fringe benefits amounts, and reportable employer super contributions, less any amounts your spouse has taken out of their super to buy their first home during the financial year.
Steven (30) works as a teacher, earning $75,000 a year, while his partner Amy (28) works casually and earns $37,000 a year.
They've been living together for 5 years, and Steven wants to help Amy grow her superannuation while getting some tax benefits for himself. They have decided to do this with regular spouse contributions, putting $120 a fortnight after-tax into Amy's super account.
Since Amy is a low-income earner, the first $3,000 of Steven's spouse contribution gets the maximum tax offset of 18%. This reduces the tax payable on his income by $540, and Amy ends up with an extra $3,120 in her super for the year.