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Share your super and shape your future together
Splitting superannuation contributions with the love of your life can be an easy way for you to even up your super balances as a couple. Make the most of your retirement savings and aim for a better future for you both.
Boost your partner's balance and help them pay for insurance in super if they're taking a break from work.
Super splitting may give you access to your savings earlier if your spouse retires before you.
Even out your super with your partner and it could mean tax savings and potential Age Pension benefits.
Splitting super contributions means transferring part of your before-tax (concessional) contributions from your super account to your spouse's super account.
Super splitting is different to making after-tax (non-concessional) spouse contributions as regular or one-off payments.
We offer super splitting at no extra cost, but not all superannuation funds allow contributions splitting. This is how it works with your QSuper account:
You can also download our Personal Contributions Guide (pdf) to find out more about sharing super with your spouse and boosting your super.
If your partner's on a low income or taking a break from work, after-tax spouse contributions are another way to help grow their super. You may be able to claim a tax offset as well, so you both enjoy the benefits.
Not all contributions can be split with your spouse, so it's important to know what the rules are.
You can apply to split your contributions at any age, but your spouse must be:
You can apply to transfer the lesser of:
You can only split before-tax (concessional) contributions made to an Accumulation account, including:
Types of contributions that you're unable to split with your spouse include:
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.
You can apply to transfer superannuation to your spouse only once every financial year.
Usually this must be done in the financial year after the year the contributions were made (unless you're leaving your fund in the current financial year). So if you want to split contributions made in 2021-22, you would apply between 1 July 2022 and 30 June 2023.
The contributions you transfer to your spouse will still be counted towards your before-tax (concessional) contribution limits.
Splitting contributions to keep each other's balances below $500,000 could help you both to take advantage of the carry forward rules on your before-tax contributions for up to 5 years.
Super splitting can also keep superannuation balances under the transfer balance limit (which limits how much super you can move into one of our retirement accounts). This could increase the amount you can hold tax-free in retirement.
A spouse is someone you're legally married to or in a de facto relationship with. De facto means you live together as a couple.
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.
Fill out our contribution splitting form to transfer your contributions into your spouse's QSuper account.
Consider salary sacrificing to grow your super, and share the contributions next financial year.
Kate and Sam are busy parents who both work full-time. Kate's super balance is $400,000, but Sam has a lot less because they've taken a break from work in the past to care for the couple's 3 children.
They want to make sure that Sam's future is as secure as Kate's. After speaking to their financial adviser, they decide to split the $15,000 in superannuation guarantee (SG) contributions that Kate received from her employer last financial year. Kate applies to her super fund to transfer as much of her contributions as she can to Sam.
Kate is able to split 85% of her contributions, which adds a much-needed boost of $12,750 to Sam's retirement savings. Meanwhile, the remaining $2,250 keeps growing in Kate's super.