Super Contribution Calculator

Our Super Contribution Calculator helps you estimate your super contributions, available caps and potential carry-forward amounts. Compare concessional and non-concessional contributions to understand your position for the financial year.

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How the Super Contribution Calculator Works

Enter your current concessional and non-concessional contributions to see how much of your cap you’ve used and what’s still available. Where eligible, the calculator can also factor in unused concessional contributions from previous years under the carry-forward rules.

Your results provide an estimate of your available concessional and non-concessional caps, helping you understand your current contribution position. The calculator is a useful starting point for planning additional super contributions, but your actual position may depend on your total super balance, contribution history and other eligibility requirements.

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FAQs

Got Questions? We've Got Answers

Answers to common questions about super contributions, contribution caps and carry-forward amounts.

What is a Super Contribution Calculator?

A Super Contribution Calculator helps estimate how your super contributions compare with the applicable contribution caps. It can help you review concessional and non-concessional contributions, available cap amounts and potential carry-forward eligibility.

What are concessional contributions?

Concessional contributions are generally contributions made to super before tax. They can include employer super contributions, salary sacrifice contributions and personal contributions for which you claim a tax deduction.

What are non-concessional contributions?

Non-concessional contributions are generally after-tax contributions made to your super that are not claimed as a tax deduction. The amount you can contribute may depend on your circumstances and your total super balance.

What is the carry-forward concessional cap?

Carry-forward rules may allow eligible individuals to use unused concessional contribution amounts from previous financial years. Eligibility can depend on your total super balance and your contribution history. The calculator can help estimate your available carry-forward amount.

What happens if I exceed my contribution cap?

Exceeding a contribution cap can result in additional tax and other consequences. The treatment depends on the type of contribution and your individual circumstances. If you think you may exceed a cap, professional advice can help you understand the potential implications.

Can I make additional contributions to my super?

You may be able to make additional concessional or non-concessional contributions, depending on your circumstances and applicable superannuation rules. Before making a large contribution, it is important to consider your available cap and eligibility.

Does my total super balance affect my contribution limits?

Yes. Your total super balance can affect your eligibility for certain contribution strategies, including carry-forward concessional contributions and non-concessional contributions. Your balance and contribution history should therefore be considered when planning additional contributions.

Is the Super Contribution Calculator personalised tax advice?

No. The calculator provides an estimate based on the information entered. Your actual contribution caps and tax position may depend on factors such as your total super balance, previous contributions and other personal circumstances.

Plan Your Super Contributions With Confidence

Our tax professionals can help you review your super contribution position and understand the strategies that may suit your financial circumstances.