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Spouse contributions

A strategy for couples

If your partner is a low-income earner, a stay at home parent, or unemployed, they’re probably not receiving super contributions.

This means their super can fall behind, and they may be reliant on the Government age pension in later years. Spouse contributions are one of the ways couples can boost their super, and be better prepared for retirement.

What is a spouse contribution?

A spouse contribution is an after-tax payment made by one spouse into the superannuation account of the other spouse. 

What are the benefits?

Building separate retirement savings for both you and your spouse offers increased flexibility when it comes to your retirement income strategy. 

  • It allows you to offset annual super contribution caps 
  • You can claim an 18% tax offset on contributions up to $3000 


Who can qualify?

To receive spouse contributions, you and your spouse must satisfy the following criteria:

  • You and your partner must be married and living together, or living in a de facto relationship (includes same-sex couples) 
  • You and your partner are both Australian residents 
  • Your partner is under 65 years of age, if not working


Making a contribution 

If your spouse is an Equip member making a contribution is as simple as submitting the spouse contribution form. If they are with another fund please contact that fund for information. 

Play

Spouse contributions

12.07.16  |   2 minutes duration

For married couples and those in de facto relationships, superannuation provides a number of opportunities to share contributions and gain tax offsets.

View video

Where to get help

  • Check out frequently asked questions VISIT FAQS
  • Give us a call and speak with a real person 1800 682 626Monday to Friday 8 am - 6 pm (AEST)
  • Ask a question with our online contact form CONTACT US
How long will your super last? Check the MyFuture calculator