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hariza(Enthusiast)Enthusiast
30 July 2025

Hi Everyone,


My wife's salary is very low (around 25k a year) and I was told I make a super contributions to her super fund and these contributions will be concessional contributions assuming I transfer 30k or less. if this correct ? . I guess my plan is trying to increase our super balance so we have enough money when we retire.


Or are there any other strategies that I can use to contribute money into our super funds without having to pay the tax marginal rates.


Thanks.



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1,539 views
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Bruce4Tax(Taxicorn)Taxicorn
30 July 2025

if this correct ?


No - only she could claim the tax deduction for CC into her super fund.


Not cost effective if her income is reduced below 23 K - So not 30 K CC


Or are there any other strategies that I can use to contribute money into our super funds without having to pay the tax marginal rates.


Best to consult your own accountant - then you will be able to rely on the advice provided.

Liked by hariza and MACH
MACH(Superuser)Superuser
30 July 2025

Concessional contribution

If you make super contributions to your wife's super account and intend to claim tax deduction, then she (not you) is the one who can claim the tax deduction. There are limits on how much she can contribute.


Non-concessional contribution

You can make a super contributions to your wife's super account, up to the relevant limit, but neither you or your wife can claim tax deduction on this.


Spouse contribution splitting

You can request your super fund to split up to 85% of the concessional contribution made on your behalf within a financial. This includes employer contributions and personal concessional contributions.



This can be quite complex and technical. I suggest you seek professional advice in strategising your retirement goals and plan.

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