Concessional contributions (taxed at 15%, deductible)
Non-concessional contributions (after-tax, not deductible)
Carry-forward concessional
How to use this calculator
- Select the financial year. FY 2025-26 caps are $30,000 (concessional) and $120,000 (non-concessional). FY 2026-27 caps are $32,500 and $130,000 — both indexed to AWOTE from 1 July 2026.
- Enter your Total Super Balance (TSB) at 30 June of the previous financial year. TSB determines your bring-forward eligibility and carry-forward eligibility. Get this from your most recent annual statement or MyGov.
- Enter your contributions year-to-date. SG appears on your payslip; salary sacrifice is your employer's pre-tax super deduction; personal deductible contributions are contributions you've made personally and intend to claim a tax deduction for via a notice of intent.
- Enter unused carry-forward concessional capacity from the last 5 FYs. If you've never carried forward and your TSB has been below $500K, this is simply the sum of unused concessional caps from the last 5 years.
- Indicate if a bring-forward is already elected from a prior FY (a bring-forward locks in for up to 3 years).
What the bars and warnings mean
- Green bar (under 90%): comfortable headroom. Excess contributions tax not a risk.
- Amber bar (90–100%): approaching the cap. Allow buffer for late-year SG, bonus payments, or anything unexpected.
- Red bar + excess message: you're over the cap. Excess concessional is taxed at your marginal rate (with a 15% offset for the 15% contributions tax already paid). Excess non-concessional is taxed at 47%. Both can be elected for release from the fund — but the process is administratively involved and is best avoided by stopping additional contributions before year-end.
FY 2026-27 changes from 1 July 2026
From 1 July 2026, several thresholds shift via AWOTE indexation:
| Cap / threshold | FY 2025-26 | FY 2026-27 |
|---|---|---|
| Concessional cap | $30,000 | $32,500 |
| Non-concessional cap (annual) | $120,000 | $130,000 |
| Non-concessional cap (3-yr bring-forward) | $360,000 | $390,000 |
| Transfer Balance Cap | $1,900,000 | $2,100,000 |
| TSB threshold for non-concessional | $2,000,000 | $2,100,000 |
| Carry-forward TSB threshold | $500,000 (unchanged) | |
The full contribution caps guide walks through the rules. The Federal Budget 2026 explainer covers Division 296 (the additional 15% tax on balances over $3M, starting 1 July 2026), which is separate to these caps.
Related
- Contribution Caps — FY 25-26 + 26-27 with Division 296
- Advanced Super Contribution Strategies
- Super contribution calculator
- TTR strategy calculator
- Federal Budget 2026 super changes
Reviewed by Jarrod, Editor · DecisionLab
Last reviewed: April 2026 · Methodology
Important information
The information on SuperFind is general in nature and does not take into account your personal financial situation, needs, or objectives. It is not personal financial advice. Before making any financial decisions about your superannuation, consider whether the information is appropriate for your circumstances and consider seeking advice from a licensed financial adviser. Super fund data including fees and performance returns shown on this site were current as of April 2026 — always verify figures on the fund's website. Past performance is not a reliable indicator of future performance. Data sourced from APRA, ATO, and individual fund disclosures. Read our methodology for how figures are calculated and our about page for editorial policy. SuperFind is a DecisionLab publication.