Super Contributions Calculator
Work out your employer super guarantee, how much of the $30,000 concessional cap and $120,000 non-concessional cap you use, and what is left.
Super Contributions Calculator
Work out your employer super guarantee (SG), how much of the concessional and non-concessional caps you use, and what is left.
• SG is 12% from 1 July 2025. Exceeding the caps attracts additional tax.
• Estimates only. Caps are for 2025-26; check the ATO for carry-forward and your own cap.
Super Guarantee (SG)
Your employer must pay 12% of your ordinary time earnings into super from 1 July 2025. The calculator shows your annual and monthly SG from your gross salary.
Concessional Contributions (Before Tax)
Concessional contributions — SG plus personal deductible (pre-tax) contributions — are capped at $30,000 per year (2025-26). They are taxed at 15% in super. Exceeding the cap attracts extra tax unless you use carry-forward from unused years.
Non-Concessional Contributions (After Tax)
After-tax contributions are capped at $120,000 per year, or up to $360,000 over three years under the bring-forward rule. The calculator shows how much of the cap you have used.
Frequently Asked Questions
What is the super guarantee rate in 2025-26?
12% of ordinary time earnings from 1 July 2025, paid by your employer on top of your salary.
What is the concessional contributions cap?
$30,000 in 2025-26, covering employer SG and personal pre-tax contributions. Unused amounts can be carried forward up to 5 years.
Can I make extra after-tax contributions?
Yes, up to $120,000 per year (or $360,000 over three years with bring-forward), as long as your total super balance is below the transfer balance threshold.
What happens if I exceed the caps?
Excess concessional contributions are taxed at your marginal rate (plus interest), and excess non-concessional contributions are taxed at the top marginal rate.