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.
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.