Super Contribution Cap Checker
There are limits on how much you can add to your super each year at concessional tax rates. Going over these caps can trigger extra tax, so it's worth checking where you stand especially if you're salary sacrificing or making personal contributions on top of your employer's Super Guarantee payments. Enter your details below to check your position for the current financial year.
Figures use 2026–27 caps: concessional (before-tax) cap $32,500, non-concessional (after-tax) cap $130,000. Concessional contributions include employer SG, salary sacrifice, and personal deductible contributions. Some people may access a higher non-concessional cap via the 3-year bring-forward rule, or a higher concessional cap via 5-year carry-forward if their total super balance is below $500,000 — this calculator does not model those, since eligibility depends on your specific super balance history. Division 293 (an extra 15% tax) may apply once income plus concessional contributions exceed $250,000. This is a simplified estimate, not financial or tax advice — check your personal position with the ATO or a licensed adviser.
The Two Types of Contribution Caps
Concessional (before-tax) contributions currently capped at $32,500 per year include your employer's Super Guarantee payments, any salary sacrifice, and personal contributions you claim a tax deduction for. These are taxed at 15% going in, generally well below most people's marginal tax rate.Non-concessional (after-tax) contributions currently capped at $130,000 per year are contributions made from money you've already paid tax on, such as a lump sum from savings or an inheritance. These aren't taxed again going into super (up to the cap).
What Happens If You Go Over?
Exceeding the concessional cap generally means the excess is added to your taxable income and taxed at your marginal rate, with an offset for the 15% already paid in the fund — reducing much of the tax benefit for that portion. Exceeding the non-concessional cap can trigger a separate, higher tax rate on the excess unless you withdraw it. In both cases, it's generally better to catch this before it happens than to deal with it at tax time.
Catch Up Contributions (Carry Forward)
If your total super balance was below $500,000 at the end of the last financial year, you may be able to use unused concessional cap amounts from the past five years potentially allowing a much larger contribution in a single year. This calculator doesn't model carry-forward amounts specifically, since it depends on your individual contribution history, but it's worth investigating if you've had a low-contribution year and want to catch up.
Frequently Asked Questions
Do these caps change each year?
Yes, both caps are periodically indexed. The figures on this page reflect the current 2026-27 financial year; always check the ATO website for the latest figures if you're planning contributions near the cap.
What is Division 293 tax?
It's an additional 15% tax on some concessional contributions for higher-income earners broadly, when your income plus concessional contributions exceed $250,000. It doesn't remove the tax benefit of contributing, but it reduces it for the portion above the threshold.
Can my super fund tell me if I'm close to a cap?
Your fund can generally only see contributions made to that specific fund. If you have multiple funds or have changed jobs during the year, you may need to add up contributions across all of them yourself which is exactly what this calculator helps with.
Disclaimer: This information is general in nature and not financial or tax advice. Contribution caps and thresholds are updated periodically by the ATO always confirm current figures before making contribution decisions. See our full Disclaimer for details.