Super Contribution Cap Calculator

Concessional and non-concessional contribution caps, including unused concessional cap carried forward from prior years.

FY 2025–26

FY 2026–27 (current)

Rates & assumptions used in this calculator

Concessional contributions cap: $32,500 for FY2026-27 (up from $30,000 for FY2025-26). Covers employer Super Guarantee, salary sacrifice, and personal deductible contributions combined.
Non-concessional contributions cap: $130,000 for FY2026-27 (up from $120,000 for FY2025-26) — standard cap for after-tax contributions, four times the concessional cap.
Carry-forward (catch-up) concessional contributions: unused concessional cap amounts can be carried forward for up to 5 years, but only if total superannuation balance was under $500,000 at the previous 30 June.
Bring-forward non-concessional contributions: those under 75 with a total super balance below the general transfer balance cap ($2.1 million for FY2026-27) may be able to bring forward up to 3 years of non-concessional cap in a single year (up to $390,000) — not modelled in detail here, flagged where relevant.
Super Guarantee rate: 12%, unchanged since reaching its final legislated step on 1 July 2025.

Sourced from ATO contribution caps guidance as at July 2026. Verify current caps and the client's total superannuation balance at ato.gov.au or via their super fund before making contributions.

This year's contributions

$25,000 concessional

Concessional contributions this year

Employer SG + salary sacrifice + personal deductible

Non-concessional contributions this year

Carry-forward eligibility

$45,000 unused, TSB under $500k

Unused concessional cap from the last 5 years

Sum of prior years' (cap − actual contributions), where positive

Total super balance under $500,000 at last 30 June?

Concessional cap available

Includes carry-forward if eligible

Non-concessional cap

Standard annual cap

Breakdown

Maximize Your Super Contributions Within Caps?

Calculate concessional and non-concessional contribution limits based on age and income. Our accountants optimize your super strategy and ensure you stay within ATO-imposed contribution caps.

Age-based limits applied All contribution types Optimized strategy

This is a general estimate only, not financial or tax advice. It doesn't verify total superannuation balance, prior years' actual contribution history, or bring-forward eligibility in detail. Refer to a registered tax agent or financial adviser before making additional contributions.