Concessional Contributions Cap Calculator
Checks whether your before-tax super contributions fit under the annual cap.
Your result
Estimate only. Results update as you type.
How this calculator works
Total = employer SG + salary sacrifice + personal deductible contributions, compared with the cap ($30,000 for 2024–25 and 2025–26).
Worth knowing
If your balance is under $500,000 you may carry forward unused cap amounts from the last five years.
Guides for this calculator
- Using a Concessional Contributions Cap Calculator in Australia: A Step-by-Step Guide
- Common Concessional Contributions Cap Mistakes (and a Better Way)
Questions
- Are the projections guaranteed?
- No. Investment returns vary from year to year. Treat projections as a guide for planning, not a forecast.
- What is the super guarantee rate?
- It is 12% of ordinary time earnings from 1 July 2025.
- Should I get advice?
- For decisions like salary sacrifice, contribution strategies or retirement income, a licensed financial adviser can look at your full situation. This site provides general information only.
This calculator gives general estimates using published Australian rates and formulas. It doesn’t consider your personal circumstances. Check current figures with the ATO, your state government or a qualified professional before making decisions. See our disclaimer.