What are spouse contributions?

A spouse contribution is an after-tax payment made by a member into the super account of their spouse.

If one partner is earning a low income, or perhaps taking time off work, a spouse contributions can help to ensure their super account keeps growing.

If you make a contribution for your spouse who earns a low income (or if you receive one from your spouse and you’re earning a low income), the contribution may also be eligible for a tax offset of up to $540 for the contributing spouse.

This can also make them an effective strategy for reducing tax, depending on your circumstances.  Eligibility criteria apply to those claiming a tax offset – you can find out more on the ATO website

Find out more

For more information on spouse contributions, including the potential tax offset, visit the Australian Taxation Office (ATO) website.

Learn more

Who can make spouse contributions?

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

  • You and your partner must be married and living together, or living in a de facto relationship
  • You and your partner must not be living separately or apart on a permanent basis
  • You and your partner are both Australian residents 
  • The contributions must not be made to satisfy a Family Law split order
  • The contribution must not be deductible to you

In addition, the spouse receiving the contribution must be under the age of 75, and can’t have more than $1.9 million in their super account. For full eligibility criteria, please refer to the ATO website.

How to make a spouse contribution

To make a contribution to your spouse’s super:

  • Return your completed form to us via mail

Please note: if your spouse isn’t an Equip Super member, you’ll need to contact your spouse’s super fund for further information.




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