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Contribution splitting

Share your super

If you choose, you and your partner can share your super contributions - whether they’re being paid by your employer, or by you through your salary sacrificing arrangements.

It’s called contribution splitting, and it’s a great way for people who are on lower incomes or not in the workforce to build up their own retirement savings.

How does it work?

You can split your super by:

  • Having up to 85% of your employer-paid Superannuation Guarantee contributions put into your partner’s account
    Or
  • Having up to 85% of your own concessional contributions (such as salary sacrificed contributions) put into your partner’s account.

You can split your contributions if your partner is under 65 and still working. If your partner has retired she/he needs to be under the age for accessing super (known as ‘preservation age’).

Contributions you split into your partner’s account will be subject to your partner’s contribution caps.

Can anyone do it?

Contribution splitting is possible if you are:

  • A married couple
    Or
  • In a de facto relationship (including same-sex partners).

Note: You can only ask to split contributions once a year.

Is this the same as making a spouse contribution?

Spouse contributions and contribution splitting are slightly different, and you can choose to do both. For more information, visit our spouse contributions page.

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