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Super Contribution Planner

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Assess effects/taxes of various concessional/non-concessional super contributions under 2026 rules.

Free to useNo data storedReal-time dataAI insightsUpdated: March 2026

The 2026 Super Contribution Planner helps you decide how much to contribute to your super—pre-tax or after-tax—and shows the impact on your balance, your take-home pay and potential tax benefits. It factors in concessional (pre-tax) caps, non-concessional (after-tax) caps, and special rules like the carry-forward option.

Enter Your Details

Enter Your Details

Must be under 75 to contribute.

$

Your total super across all funds.

$

Pre-tax income for concessional/non-concessional calculations.

$

Total intended pre-tax contributions (employer + salary sacrifice). 2026 cap: $30,000.

$

Optional. 2026 standard annual non-concessional cap is $120,000.

Tick if unused concessional cap from last 5 years. More info via ATO link.

Real-World Examples

Using Carry-Forward Cap

Alex earns $110,000, has $320,000 in super, and had unused concessional cap for the past 2 years. In 2026, Alex can contribute $20,000 pre-tax (SG + salary sacrifice) plus $10,000 carried forward with capped 15% tax (if total super under $500k).

Carry-forward super cap can allow an extra $10,000 concessional contribution in addition to the annual $30,000 limit.

After-tax Boost

Cathy has $830,000 in super and wants to contribute $70,000 after tax (non-concessional) in 2026. She checks she’s eligible for the full cap.

Large non-concessional contributions may trigger the bring-forward rule. Check your total super balance first.

Frequently Asked Questions

Glossary

Concessional Contribution
Pre-tax contribution. Includes employer SG and salary sacrifice. Capped annually.
Non-Concessional Contribution
After-tax money contributed to super. Higher annual cap, not taxed in super.
Carry-Forward Rule
Allows rolling over unused concessional cap for up to 5 years if eligible.
Bring-forward Rule
Allows up to 3 years’ non-concessional cap in a single year if under age 75 and eligible.

Disclaimer: This tool is for general guidance only. Check the latest ATO and fund guidelines for personalised advice.

Last updated: March 2026

How to Use
  1. Enter your current age, super balance and annual income.
  2. Input your intended concessional (pre-tax, including employer) and/or non-concessional (after-tax) amounts.
  3. Tick the carry-forward rule box if you have unused concessional cap from the last 5 years.
  4. Review the impact summary: total super boost, estimated tax saved, and cap warnings.
  5. See personalised tips for optimising your contributions without breaching caps.
Key Information
  • Concessional (pre-tax) cap is $30,000/year from 1 July 2025. Includes employer and salary sacrifice.
  • Unused concessional cap can be carried forward for up to 5 years if total super balance <$500,000.
  • Non-concessional (after-tax) cap is $120,000/year in 2026. Bringing forward 3 years allowed if eligible.
  • Concessional contributions are taxed at 15%, but excess is taxed at marginal rate.
  • Those aged 67–74 must meet the work test to contribute.
Pro Tips
  • Check ATO for your unused concessional carry-forward amounts.
  • Salary sacrifice can be a tax-effective way to build super, especially for higher income earners.
  • Avoid exceeding caps—excess contributions can lead to extra tax and charge.
Avoid These Mistakes
  • Forgetting your employer’s SG when calculating your concessional cap.
  • Assuming the non-concessional cap applies if your total balance >$1.9M.
  • Ignoring possible cap indexation changes in future budgets.
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