Concessional Contributions Cap Calculator
Check how much room you have left in your annual concessional (before-tax) super contributions cap.
Your results
Calculation breakdown
- Remaining cap
- concessional cap − (employer SG + salary sacrifice + deductible personal contributions)
Worked example
With $9,000 employer super and $5,000 salary sacrifice against a $32,500 cap, roughly $18,500 of cap remains.
Assumptions
- Default cap of $32,500 is taken from the configured ATO cap table — confirm the current figure applies to you.
- Excludes carry-forward amounts — see the carry-forward calculator.
Sources
How this calculator works
This calculator compares your employer super guarantee and salary sacrifice contributions against the annual concessional contributions cap, showing remaining headroom before excess contributions tax could apply. It uses the cap figure configured for the current financial year.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
What counts towards the concessional cap?
Employer super guarantee, salary sacrifice and any personal contributions you claim as a tax deduction all count towards the concessional cap.
What happens if I go over the cap?
Excess concessional contributions are generally added to your assessable income and taxed at your marginal rate, less a 15% offset — see the ATO for full detail.
Can I carry forward unused cap?
If your total super balance is under the relevant threshold, unused concessional cap from the previous five years may be available — use the carry-forward calculator to estimate this.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.