Spouse contributions are a great a way to help grow your spouse’s super
You may also be able to claim a tax offset on the super contribution.
A spouse contribution is a voluntary (after-tax) contribution made to your spouse’s super account. By making a contribution to your spouse’s super, not only are you helping them – you can also receive a tax offset (up to $540) for doing so.
You can contribute to MTAA Super for your spouse or your spouse can make contributions for you. A tax offset of 18% for spouse contributions of up to $3,000 is available if your spouse earns less than $40,000 in a financial year (including reportable fringe benefits and reportable super contributions). If your spouse has a total annual income of less than $37,000, you may be eligible for the maximum rebate of $540.
Any contributions you make for your spouse will count towards their after-tax (non-concessional) contribution limit (not yours).
Note: We can’t accept spouse contributions if we don’t have your spouse’s TFN.
For more information about making a spouse contribution, call us on 1300 362 415.
The definition of spouse includes your legal husband or wife or de facto and can be a same gender partner.
Spouse contributions can only be accepted if the spouse is aged less than 75. If your spouse is 67 to 75 years, they will generally need to satisfy a work test.
Is there a contribution limit?
Any contributions you make for your spouse will count towards their after-tax (non-concessional) contribution limit and not yours.
For more information about making a spouse contribution, refer to the Super Guide or call us on 1300 362 415.
Note: If your spouse's total super balance exceeds the general Transfer Balance Cap (currently $1.6 million) you will not be entitled to a tax offset for spouse contributions.
General Advice Warning
This information on this website is provided by Motor Trades Association of Australia Superannuation Fund Pty Ltd (ABN 14 008 650 628, AFSL 238 718) of Level 3, 39 Brisbane Avenue BARTON ACT 2600, Trustee of the MTAA Superannuation Fund (ABN 74 559 365 913). Motor Trades Association of Australia Superannuation Fund Pty Ltd has ownership interests in Industry Super Holdings Pty Ltd and Members Equity Bank Limited (ABN 56 070 88 7 679).
The information contained in this website is correct at the time of publishing. It is of a general nature and does not take into account your objectives, financial situation or needs. Before acting on any of the information you should consider its appropriateness, having regard to your own objectives, financial situation and needs. If you are considering acquiring or continuing to hold a particular financial product, you should obtain the Product Disclosure Statement relating to the product and consider it before making any decision. The MTAA Super Product Disclosure Statement is available on this website, or by telephoning the Customer Service Centre on 1300 362 415.
This site is for general information purposes only and is not intended to be relied upon for the purpose of making an investment decision.
MTAA Super recommends that potential investors seek independent financial and taxation advice before making any investment decisions so as to determine whether an investment is appropriate, given the investor’s investment objectives, financial position and needs.
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