You can contribute to a super fund on behalf of an eligible spouse and claim a tax offset if your spouse earns a low, or no, income. This is a good way to increase your total super benefits and save on tax.
If your spouse’s assessable income is less than $10,800 p.a., an 18% tax offset applies to super contributions up to $3000, providing a maximum tax offset of $540.
This $3,000 limit reduces by one dollar for every dollar your spouse’s assessable income exceeds $10,800 p.a., reducing to zero when their income reaches $13,800 p.a. or more.
Spouse contributions make up part of the non-concessional cap for the receiving spouse.
How to make a spouse contribution
If your spouse has an account with Club Plus Super, simply download a Voluntary Contribution form and complete the 'Spouse Contribution' section and follow the steps provided to make a payment.
If you spouse has super with another provider, contact that fund for spouse contributions payment instructions.
For assistance, call us on 1800 680 627, 8am - 6pm AEST, weekdays. Alternatively, submit an enquiry.