Super Contribution Calculator
Work out your concessional and non-concessional contribution caps. Includes carry-forward unused contributions.
Disclaimer
This calculator provides estimates for general information purposes only. Results should not be relied upon as professional financial, tax, or legal advice. Tax rates and thresholds are based on publicly available ATO data and may change. Always consult a qualified tax agent or financial adviser for advice specific to your circumstances.
Frequently Asked Questions
What is the concessional contribution cap?
Can I carry forward unused super caps?
What is Super Contribution?
A super contribution calculator helps you understand and manage your superannuation contribution caps — the annual limits on how much you can contribute to super at concessional (pre-tax) and non-concessional (after-tax) rates.
How this calculator works
The calculator tracks your concessional contributions (employer SG at 12% plus any salary sacrifice or personal deductible contributions) against the $30,000 annual cap. Visual progress bars show how much of each cap you've used. If you've carried forward unused cap from previous years (available when your super balance is below $500,000), you can add this to increase your limit. Exceeding the concessional cap means the excess is taxed at your marginal rate instead of the 15% concessional rate — a costly mistake this calculator helps you avoid.
Concessional vs Non-Concessional
CONCESSIONAL = pre-tax money. Includes: employer SG (12%), salary sacrifice, personal contributions claimed as deduction. Taxed at 15% in fund. Cap: $30,000/yr (FY 2025-26). NON-CONCESSIONAL = after-tax money. Not taxed in fund (no contribution tax). Cap: $120,000/yr or $360,000 over 3 years (bring-forward rule). TSB must be <$1.9M to make any non-concessional contributions.
Carry-Forward Unused Concessional Cap
Since 2018-19, you can carry forward UNUSED concessional cap for up to 5 years. Eligibility: Total Super Balance under $500,000 at 30 June of the prior year. Example: contributed only $10k in 2024-25 → carry forward $20k → in 2025-26 you can contribute up to $50k concessional. Powerful for returning workers, career-breakers, or anyone with low past contributions.
Excess Contributions Tax
Concessional excess: taxed at your marginal rate (less 15% offset for tax already paid in fund). So at 37% marginal, excess effectively costs 22% — much worse than 15%. Non-concessional excess: 47% tax on the excess. Plus excess concessional contributions count against your non-concessional cap. The ATO sends an Excess Contributions Determination — you can elect to release the excess from super.
Strategic Contribution Timing
End-of-financial-year contributions: must reach the fund by 30 June to count for that year. Don't leave to the last week — bank transfers can take days. Bring-forward triggering: making >$120k non-concessional automatically triggers the 3-year cap, which prevents another contribution for 2 years. Plan multi-year strategy carefully.
Official Sources
All calculations are performed in your browser — your data never leaves your device. Results are for general guidance only and should not be considered professional financial advice.
Built and maintained by Konstantin Iakovlev. Data sourced from the ATO and official Australian government sources.