Free tool · 2026–27
Super caps: how much more can you contribute before tax?
The concessional cap is $32,500 for 2026–27 — and if your super balance is under $500k, up to five years of unused caps may be sitting there waiting. Check your room, and whether the Div 293 surcharge changes your maths.
Plan my contributions — free consultation
Indicative for 2026–27: concessional cap $32,500, carry-forward available while total super balance is under $500,000, contributions taxed 15% in the fund, Div 293 adds 15% where income + concessional contributions exceed $250,000. Your precise unused cap is on ATO online — we check it as part of any planning conversation. Timing matters: contributions count when the fund receives them, not when you pay.