Find out how much more you can put into super this year. We show your concessional (before-tax) cap room after your employer’s super guarantee, plus your non-concessional (after-tax) headroom for 2026-27.
Carry-forward only applies if your total super balance was under $500,000 on 30 June last year.
Concessional room left this year
$20,500
on top of your employer SG
Employer super guarantee (12%)$12,000
Base concessional cap 2026-27$32,500
+ Carry-forward available$0
Non-concessional cap 2026-27$130,000
The 2026-27 caps
The concessional (before-tax) cap is $32,500 — it includes your employer SG, salary sacrifice and personal deductible contributions. The non-concessional (after-tax) cap is $130,000, or up to $390,000 over three years using the bring-forward rule if eligible.
Estimate only. Assumes a 12% super guarantee on your full salary (real SG can differ, e.g. above the maximum contribution base) and ignores Division 293 and your specific eligibility. Verify caps at ato.gov.au. Not personal advice.
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