Super tool

Super contribution cap checker.

See roughly how much room you have left under this year's contribution caps, what the bring-forward and catch-up rules might open up, and what changes on 1 July 2026. General bands only, using the ATO's published caps.

Nothing is stored and no personal details are needed. Round figures are fine.

Super contribution cap checker - Great Advicegreatadvice.com.au/tools/super-contribution-cap-checker/ - general information only

Before-tax (concessional)

$30,000

Annual cap. Includes employer super, salary sacrifice and personal contributions you claim a deduction for.

Employer contributions so far this year Check your fund app or payslips. Employer super guarantee is 12% of ordinary earnings.

Salary sacrifice and deductible contributions so far Amounts you have salary sacrificed, plus personal contributions you intend to claim.

Enter your before-tax contributions to see your remaining cap space.

After-tax (non-concessional)

$120,000

Annual cap. Personal contributions from money you have already paid tax on.

After-tax contributions so far this year Personal contributions you are not claiming a deduction for.

Your total super balance at 30 June 2025 All your super accounts added together. A rough band is enough.

Enter your after-tax contributions and balance band to see your position.

Your age

Your headroom summary

Financial year 2025–26

Before-tax (concessional)

After-tax (non-concessional)

Timing notes that catch people out

What to check next

Check your exact figures in ATO online servicesmyGov shows your contributions for the year, your total super balance, and your unused carry-forward cap for each of the past five years. This checker only gives rough bands. Read the 30 June super strategies guideOur plain-English walk-through of the caps, carry-forward rules, bring-forward rules and common end-of-financial-year traps.

Confirm with your fund before actingFunds have their own end-of-June processing cutoffs, and a contribution only counts for the year your fund receives it. If a deduction matters to you, a notice of intent has to be lodged and acknowledged first.

Book a meeting Free first meeting. No obligation. We will look at your caps, your timing and what actually suits your situation.

The figures this checker uses

Cap or threshold	2025–26	2026–27
Concessional (before-tax) cap	$30,000	$32,500
Non-concessional (after-tax) cap	$120,000	$130,000
Maximum bring-forward (3 years)	$360,000	$390,000
Catch-up eligibility balance limit	Under $500,000	Under $500,000
General transfer balance cap	$2.0 million	$2.1 million

Checked against the Australian Taxation Office on 12 June 2026: contribution caps and non-concessional rules. The ATO makes the final assessment of your contributions and caps.

More tools: project your super to retirement, check your retirement readiness, or run the Age Pension self-check.

General information only. This checker does not consider your objectives, financial situation or needs, and a headroom band is not personal advice. Contribution rules have detail this tool simplifies, including bring-forward triggers from earlier years, defined benefit interests and contribution acceptance rules. Consider speaking with a licensed financial adviser before acting. Great Advice is a trading name of Aetos Wealth Advisors Pty Ltd, Corporate Authorised Representative of Akumin Financial Planning Pty Ltd (AFSL 232706).