Great Advice · Super contribution caps
How much cap room have you got left?
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Enter your contributions to see your room
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These are example numbers. Change the controls on the left for your own situation.
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Worth knowing
Check your figures in ATO online services
Things people often miss
What to check next
- Check your exact figures in ATO online services. myGov 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 guide. A 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 acting. A contribution only counts for the year your fund receives it, and a notice of intent has to be lodged and acknowledged before you claim a deduction.
More tools: project your super to retirement, check your retirement readiness, or run the Age Pension self-check.
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.
myGov and the ATO tell you the rule. A first meeting with George helps you plan around it.
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How it works: Super has two annual contribution caps. The before-tax (concessional) cap includes employer super, salary sacrifice and personal contributions you claim a deduction for. The after-tax (non-concessional) cap covers personal contributions from money you have already paid tax on. This checker shows general bands only, using the ATO's published caps. It is an estimate, not personal advice, and the ATO makes the final assessment of your contributions and caps. Nothing is stored and no personal details are needed. Round figures are fine.
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).
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).
