Super Contributions Cap Calculator Australia
Topping up your super before year-end? Pop in what you've already put in and we'll show your remaining concessional and non-concessional headroom, any tax on excess contributions, whether you qualify for the government co-contribution, and if Division 293 will hit you.
- Concessional cap$30,000
- Concessional used$0
- Concessional headroom$30,000
- Non-concessional cap$120,000
- Non-concessional used$0
- Non-concessional headroom$120,000
Enter your contributions and income to see your headroom and any flags.
Big one-off contribution, carry-forward, or a sale to shelter? Let's get the timing and the cap right.
Plan my super contributions →General information only, current for the 2025-26 financial year. This is a simplified estimate that ignores unused concessional carry-forward, the non-concessional bring-forward rule, your total super balance, defined benefit interests and reportable add-backs, and it is not personal tax or financial advice. Before you contribute, talk to us.
A Few Things This Calculator Assumes
What's the difference between the two caps?
The concessional cap ($30,000 for 2025-26) covers before-tax money: your employer's Super Guarantee, salary sacrifice and personal contributions you claim a deduction for. The non-concessional cap ($120,000) covers after-tax money you put in without claiming a deduction. They are separate, so using one does not eat into the other.
Can I carry forward unused cap or bring forward future caps?
Often, yes, and that is where real planning lives. You may be able to use unused concessional cap from the past five years if your total super balance is under $500,000, and bring forward up to three years of non-concessional cap in one hit. This calculator uses the standard single-year caps only, so if either of those applies to you your true headroom could be much larger. That is worth a conversation.
What is the government co-contribution?
If you are a lower-income earner and make an after-tax (non-concessional) contribution, the government may chip in up to $500. For 2025-26 the full benefit phases out from $47,488 of total income and cuts out at $62,488, and you generally need at least 10% of your income from employment or business. The maximum is 50 cents for every dollar you contribute, up to $500.
What is Division 293?
If your income plus your concessional contributions tops $250,000, an extra 15% tax applies to some or all of those concessional contributions, on top of the usual 15% inside super. It is not a penalty, just a higher effective rate for higher earners. We flag it here so it is not a surprise at assessment time.
Make Every Dollar Of Super Count
Book a call with a senior accountant and we'll map your caps, carry-forward and timing so you contribute the most you can without tripping a single rule.
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