Retirement AtlasA clearer view of retirement.

Contribution comparison · 2026/27

Super Contribution Cap Calculator Australia, 2026/27

Check remaining before-tax and annual after-tax super room using whole-year contributions, prior 30 June balance and confirmed carry-forward amounts.

Sources checked 4 October 2026

For ordinary contributions to a regular taxed accumulation fund, ages 18–74, with no active bring-forward arrangement. Gross amounts across all funds; no personal tax-saving estimate. Read the 2026/27 cap guide.

Your comparison

Complete the checks before calculating. Keep your official records open in another tab.

1. Check the scope

This standard tool covers ages 18–74. Age 75 and special acceptance cases need fund advice.

Special spouse, downsizer, CGT and other excluded contributions need a separate check.

Use the official total super balance across all funds, not today's balance or a projected balance.

Include pending and expected employer payments from every employer. Count money in the year the fund receives it.

2. Before-tax contributions · 2026/27

All employers, excluding salary sacrifice. Use payroll/fund figures, not salary × 12%.

Include your proposed salary-sacrifice changes. Do not count these again under employer contributions.

Exclude the new personal contribution in the next field. Use the amount before fund contributions tax.

A proposed amount, not an automatic tax deduction. Enter 0 to check room before adding a new payment.

A valid notice of intent and fund acknowledgment are still required. Salary sacrifice has different work-test rules.

Use your remaining eligible ATO-recorded amount from 2021/22–2025/26. Enter 0 for a standard-cap scenario that excludes carry-forward.

3. After-tax contributions · separate cap

This tool compares the ordinary annual cap only. It does not calculate a new or existing multi-year arrangement.

Ordinary after-tax contributions without a deduction. Include expected receipts; exclude the new amount below.

Do not also include this in deductible personal contributions.

Numbers stay in this browser tab. We do not send, save or include your financial inputs in analytics or share links.

The result

A clearer comparison

No personal result yet. Complete the form and select Calculate comparison.

Method and worked example

Before-tax comparison cap = A$32,500 + confirmed eligible carry-forward. Subtract all gross employer, salary-sacrifice and deductible personal contributions expected to reach funds in 2026/27, including the proposed new payment. Positive room and an amount above the cap are shown separately. ASIC Moneysmart · Super contributions optimiser.

Worked example: before-tax contributions

A$12,000 employer + A$6,000 salary sacrifice + A$4,000 deductible personal = A$22,000. With no carry-forward, room is A$10,500. A new A$3,000 personal deduction plan raises the total to A$25,000 and leaves A$7,500. With A$8,000 of eligible confirmed carry-forward, the cap would instead be A$40,500. These are invented amounts.

Separate after-tax comparison

Without an active bring-forward arrangement, the ordinary annual comparison cap is A$130,000 if the 30 June 2026 total super balance is below A$2.1 million; otherwise it is zero. An entered A$50,000 ordinary after-tax total would leave A$80,000 under the A$130,000 cap. New multi-year bring-forward eligibility is not modelled. ATO · Non-concessional contributions cap.

What this does not decide

Remaining headroom is not an instruction to pay that amount. Check actual receipt dates, fund acceptance and a valid notice of intent for any personal deduction. At ages 67–74, that deduction can require a work test or exemption. This tool excludes special contribution rules, income-tax savings, excess-contribution tax, Division 293/296, LISTO, government co-contributions and access to super. ATO · Personal super contributions and deductions.

Amounts remain in nominal 2026/27 dollars. No contribution tax is deducted when comparing gross amounts with caps. Enter zero carry-forward to use a standard-cap scenario; this does not assess your eligibility for unused past caps. Read the full policy guide.

Pension, social insurance and tax-relief guide · Compare your overall contribution costs.

Official sources and review date

Source-checked on 4 October 2026. Official conditions and your own record take precedence.

Optional analytics

Allow Google Analytics to measure visits and calculator actions? Your financial inputs and results are never sent. You can change your choice at any time.

Privacy notice