Transfer Balance Cap Calculator
Check how much of your personal transfer balance cap you have used or have remaining for retirement phase pension accounts.
Your results
Calculation breakdown
- Remaining space
- personal transfer balance cap − amount already in retirement phase
Worked example
With a $1,900,000 personal cap and $800,000 already transferred, about $1,100,000 of cap space remains.
Assumptions
- The general transfer balance cap is indexed periodically and your personal cap depends on your history — confirm your current figure with the ATO.
- Excess transfer balance amounts can attract additional tax.
Sources
How this calculator works
This calculator compares the amount you have already moved into retirement phase pension accounts against your personal transfer balance cap, showing remaining headroom. The general transfer balance cap is indexed periodically, so it is an editable input you should confirm with the ATO.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
What is the transfer balance cap?
It's a limit on the total amount you can move into tax-free retirement phase super pension accounts over your lifetime.
Why is the cap amount an input here?
The general transfer balance cap is indexed periodically in $100,000 increments, and your personal cap depends on your history, so confirm your current figure with the ATO.
What happens if I exceed my cap?
Excess transfer balance amounts must generally be commuted back to accumulation phase and can attract excess transfer balance tax.
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.