Non-Concessional Contributions Cap Calculator
Estimate your annual non-concessional (after-tax) super contributions cap, including the three-year bring-forward option.
Your results
Calculation breakdown
- Bring-forward total
- annual cap × 3 years (if triggered)
Worked example
Triggering the bring-forward on a $130,000 annual cap gives access to $390,000 over three years.
Assumptions
- Bring-forward eligibility depends on age and total super balance — confirm with the ATO.
- Default cap reflects the configured ATO figure.
Sources
How this calculator works
This calculator shows the standard annual non-concessional contributions cap and the total available if you trigger the three-year bring-forward provision, based on the cap configured for the current financial year. Eligibility for bring-forward depends on your age and total super balance.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
What is a non-concessional contribution?
It is an after-tax contribution to super, such as personal contributions you don't claim a tax deduction for.
What is the bring-forward rule?
Eligible members under the relevant age can bring forward up to two future years of non-concessional cap, contributing up to three years' worth in one go.
Who is not eligible for the full cap?
Your total super balance on 30 June of the previous year can reduce or remove your non-concessional cap entirely — confirm your balance-tier eligibility with the ATO or your fund.
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.