# stc factsheet 13 information about the commonwealth

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3 The following table outlines the amount of Commonwealth Government super co-contribution based on your income and total amount of personal after-tax contributions. Your total annual income is: Contributions made in the year. If your annual personal after-tax contribution is: \$1,000 \$800 \$500 \$200 Your Commonwealth Government super co-contribution will be: \$34,488 \$500 \$400 \$250 \$100 \$37,488 \$400 \$400 \$250 \$100 \$40,488 \$300 \$300 \$250 \$100 \$43,488 \$200 \$200 \$200 \$100 \$46,488 \$100 \$100 \$100 \$100 \$49,488 \$0 \$0 \$0 \$0 Let s look at some specific examples with regard to the super co-contribution: Example 1 Tony s total income in the financial year ending 30 June 2015 is \$29,500. Tony made personal after-tax contributions to his superannuation scheme totalling \$800 in the year and meets all the other conditions necessary to receive a super co-contribution. Example 2 Julie s total income for the financial year ending 30 June 2015 is \$40,920. Julie makes personal after-tax contributions to her superannuation scheme totalling \$1,000 for the year. To determine Julie s super co-contribution, the first step is to calculate the maximum super co-contribution available, as follows: Maximum super co-contribution:...\$500 Less reduction of cents for every \$1.00 of income over \$34,488 \$500 - { x (\$40,920 - \$34,488)}...\$ 285 Maximum super co-contribution available...\$ 285 In this case, as Julie s income is above \$34,488, she is entitled to the lesser of: the maximum super co-contribution for the year of \$500, the maximum co-contribution available of \$285, or the amount of eligible personal super contributions multiplied by \$500. In this case, she would be entitled to a co-contribution of \$285. As Tony s total income is below \$34,488, he is entitled to the lesser of: the maximum super co-contribution for the year of \$500, the maximum co-contribution available of \$500, or the amount of eligible personal super contributions multiplied by \$400. In this case, he would be entitled to a co-contribution of \$400. Alternatively, if Tony contributed \$1,000, he would be entitled to the lesser of: the maximum super co-contribution for the year of \$500, the maximum co-contribution available of \$500, or the amount of eligible personal super contributions multiplied by \$500. In this case, he would be entitled to the maximum of \$

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