Super Contribution Cap Calculator
Check concessional and non-concessional super contributions against annual caps, including carry-forward and bring-forward rules, and flag any excess.
Your results
Calculation breakdown
- Concessional excess
- $10,000.00 − $32,500.00 cap = $0.00
- Non-concessional excess
- $0.00 − $130,000.00 cap = $0.00
Assumptions
- Contribution caps: 2026–27 · Source: Australian Taxation Office · Last verified 2026-07-01
- Carry-forward and bring-forward entitlements are only applied when you explicitly tick them, since eligibility depends on your total super balance and age.
- Bring-forward eligibility here is a simplified check against the general transfer balance cap and should be confirmed with the ATO.
How this calculator works
Superannuation contributions in Australia are capped each financial year, and going over a cap can trigger extra tax or require you to withdraw the excess. Concessional contributions — employer Superannuation Guarantee payments, salary sacrifice and personal deductible contributions — are taxed at 15% inside your fund but capped annually; if your total super balance is under the relevant threshold you may also be able to use unused cap amounts from the previous five years under the carry-forward rule, increasing your effective cap for the year. Non-concessional (after-tax) contributions have a separate, larger cap, and if you're eligible and under the total super balance threshold you may be able to bring forward up to three years of that cap into a single year to make a larger one-off contribution. This calculator totals your concessional and non-concessional contributions against the applicable caps (including any carry-forward or bring-forward amounts you specify) and flags any excess along with the general reasons it might attract extra tax.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
What happens if I exceed the concessional contributions cap?
Excess concessional contributions are included in your assessable income and taxed at your marginal rate, less a 15% offset for the contributions tax already paid in the fund, plus an interest charge — you can choose to release the excess from super or keep it in the fund.
Who can use the carry-forward concessional cap rule?
You may be able to use unused concessional cap amounts from the previous five financial years if your total super balance was below the relevant threshold on 30 June of the prior year — this can allow a much larger concessional contribution in a single year.
Is the bring-forward rule available to everyone?
No. Eligibility for the non-concessional bring-forward rule depends on your age and your total super balance being below the relevant transfer balance cap threshold — above certain balances, the bring-forward amount is reduced or unavailable entirely.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.
Results are estimates only and are not financial, tax, legal or credit advice.