How much more can I put into super this year?
Check your 2026–27 contributions against the concessional and non-concessional caps, including unused cap you can carry forward and the bring-forward rule.
Your cap check will appear here
Enter your total super balance and this year's contributions to see how much room you have left under each cap.
2026–27 cap check
Within capsConcessional (before-tax)
A$0 left under your cap
- Contributions this year
- A$0
- Annual cap
- A$32,500
- Plus: unused cap carried forward
- A$0
- Carry-forward you'd use
- A$0
Non-concessional (after-tax)
A$0 left this year
What this estimates Hide details
Uses the ATO's 2026–27 caps and the total super balance you enter. Carry-forward assumes any past year where you went over the cap was covered by older unused amounts (oldest first). Excess concessional contributions are counted toward the non-concessional cap, as they are if not released. It doesn't model defined benefit funds, contributions accepted after age 75, downsizer or other special contributions. General information only, not financial advice.
Figures for 2026–27 (1 July 2026 – 30 June 2027). Last updated: 13 October 2026
Super contribution caps for 2026–27
Concessional cap
A$32,500
Employer, salary sacrifice and deductible personal contributions. Taxed 15% in the fund.
Non-concessional cap
A$130,000
After-tax contributions. Up to A$390,000 with the bring-forward rule.
Bring-forward by total super balance
| Total super balance at 30 June 2026 | Max this year | Period |
|---|---|---|
| Less than A$1.84m | A$390,000 | 3 years |
| A$1.84m to less than A$1.97m | A$260,000 | 2 years |
| A$1.97m to less than A$2.1m | A$130,000 | No bring-forward |
| A$2.1m or more | Nil | – |
Concessional cap history (for carry-forward)
| Financial year | Concessional cap |
|---|---|
| 2017–18 to 2020–21 | A$25,000 |
| 2021–22 to 2023–24 | A$27,500 |
| 2024–25 to 2025–26 | A$30,000 |
| 2026–27 | A$32,500 |
Sources: ATO: Contributions caps, Concessional contributions cap, Non-concessional contributions cap, Total superannuation balance and super guarantee rate. Caps are indexed and can change each 1 July, so confirm with the ATO or your fund before contributing.
How the super caps actually work
Concessional means before-tax. Your employer's super guarantee (12% of ordinary time earnings), salary sacrifice, and personal contributions you claim a tax deduction for all share one A$32,500 cap. People most often go over by adding salary sacrifice without counting their employer's contributions first.
Unused cap can carry forward, if your balance is small enough. Unused concessional cap from the previous 5 years (back to 2018–19) can be added to this year's cap, but only if your total super balance at 30 June of the previous year was under A$500,000. Oldest amounts are used first; anything older than 5 years expires. For 2026–27, that's 2021–22 to 2025–26. It's especially useful after a career break or for a big deductible contribution in a high-income year.
Non-concessional means after-tax. Money you've already paid tax on and don't claim a deduction for. The A$130,000 annual cap shrinks to nil once your total super balance reaches A$2.1m (the general transfer balance cap for 2026–27).
Bring-forward lets you use up to three years at once. If you're under 75 and your balance is low enough, contributing more than A$130,000 in one year automatically brings forward the next one or two years' caps. Once triggered, the period is fixed, so contributions over the following years count against it.
Going over isn't the end of the world, but it costs. Excess concessional contributions are taxed at your marginal rate (less a 15% offset) and, unless released, also count toward your non-concessional cap. Excess non-concessional contributions can be released with their earnings; otherwise they're taxed at the top rate.
Super contributions cap FAQ
What is the concessional contributions cap for 2026–27?
The concessional (before-tax) contributions cap for 2026–27 is A$32,500, up from A$30,000 in 2025–26. It covers employer contributions (including super guarantee), salary sacrifice and personal contributions you claim a tax deduction for.
What is the non-concessional contributions cap for 2026–27?
The non-concessional (after-tax) contributions cap for 2026–27 is A$130,000. If your total super balance at 30 June 2026 was A$2.1m or more, your non-concessional cap is nil.
How does the carry-forward of unused concessional cap work?
Since 2019–20 you can use unused concessional cap from up to 5 previous financial years (amounts accrue from 2018–19), as long as your total super balance at 30 June of the previous financial year was less than A$500,000. The oldest unused amounts are used first, and amounts not used within 5 years expire. For 2026–27, unused amounts from 2021–22 to 2025–26 are available.
How does the bring-forward rule work?
If you're under 75 at any time in the financial year, you can bring forward up to two future years of non-concessional cap. For 2026–27: total super balance at 30 June 2026 under A$1.84m lets you contribute up to A$390,000 over 3 years; A$1.84m to under A$1.97m allows A$260,000 over 2 years; A$1.97m to under A$2.1m means just the A$130,000 annual cap; A$2.1m or more means a nil cap. The bring-forward is triggered automatically when you contribute more than the annual cap.
What happens if I go over a super contributions cap?
Excess concessional contributions are added to your assessable income and taxed at your marginal rate, with a 15% tax offset for the contributions tax your fund already paid; any you do not release from super also count toward your non-concessional cap. For excess non-concessional contributions, the ATO lets you release the excess (plus associated earnings, which are taxed); if you choose not to, the excess is taxed at the top marginal rate plus Medicare levy.
What is the super guarantee rate for 2026–27?
The super guarantee rate is 12% of ordinary time earnings. It reached 12% on 1 July 2025, the final scheduled increase. Your employer's SG contributions count toward your concessional cap, so check them on your payslip or super statement before adding salary sacrifice.
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