Spouse contributions

If your partner's working part-time or taking time off from the workforce, they may have reduced super savings.  This shortfall may impact how you both live in retirement.

The good news is, you can help boost their super. By adding to your eligible partner's* account before 30 June every year you enjoy the satisfaction of a stronger financial position and a possible tax offset of up to $540.

Couple holding daisy

Rewards for you and your partner

Regardless of what your partner earns you can make a contribution to their account. As long as their total income is under $10,800 this financial year, you can claim a tax offset of 18% on the first $3,000 of spouse contributions you make to their super account (up to a maximum offset of $540). If your partner's total income is between $10,800 and $13,800 per year, you can still claim an offset but it works on a sliding scale.

Starting from 1 July 2017 if your spouse earns less than $40,000 a tax offset will apply. This increase in the threshold will mean more people can benefit from the offset.  

Use our Spouse tax offset calculator to explore the possible tax offset for your contribution.

Calculate your potential rebate

How to make a contribution

There are two easy ways to contribute to your spouse's account. Once you have made a contribution into your spouse's account you can then claim the tax offset through your annual tax return.

Pay online with BPAY®

Use our online BPAY number generator to obtain the relevant payment reference numbers for your BPAY contribution.

GET YOUR BPAY NUMBER

Pay by cheque

Complete Section D of the Member and Spouse Contribution form and send it to us with your contribution.

Download the contribution form

Need help with spouse contributions?

At TelstraSuper we’re here to help you build a secure financial future. TelstraSuper Financial Planning has a team of phone based Advisers who can provide you with simple advice to help you work out if you could benefit from spouse contributions. If you’d like to discuss growing you or your spouse’s super or if have any other financial advice queries contact us on 1300 033 166 or fill in our online contact form. There's no additional cost for our phone based advice as this is included in your TelstraSuper membership.

Online contact form
* Your spouse must be living with you on a bona fide domestic basis as your husband, wife or defacto (includes same sex couples). Contributions can be made for a spouse under 65 years of age. If your spouse is aged between 65 and 70 they must also be gainfully employed on at least a part-time basis. Contributions made on behalf of your spouse will count towards their non-concessional contributions cap. BPAY® registered to BPAY Pty Ltd, ABN 69 079 137 518.