Contribution cap tracker (with carry-forward)

The only AU calculator that actually calculates your carry-forward unused cap. Every input is editable, including the cap itself (in case the ATO indexes it).

Built on 2025-26 ATO rates · Last reviewed April 2026

Concessional (pre-tax) contributions

Total Super Balance at 30 June last yearSee myGov for exact TSB

Under $500,000 = you can use carry-forward

Concessional contributions this FY

Employer SG + salary sacrifice + personal deductible

Annual concessional cap (FY25-26)ATO: $30,000

Taxable income (for Div 293)

Div 293 threshold $250,000

Unused cap from prior 5 years

FY20-21

FY21-22

FY22-23

FY23-24

FY24-25

Effective cap this FY

$30,000

Annual $30,000 + $0 carry-forward

Room remaining

$12,000

Before excess-contributions tax kicks in

Est. Div 293 extra tax

Does not apply at your income

Tax you'd save by using your full remaining room

$2,880

Your marginal rate is ~39% (incl. Medicare). Concessional contributions are taxed at 15% inside super. Using the remaining $12,000 room would save that tax gap this year.

Non-concessional (post-tax) contributions

Non-concessional cap (FY25-26)ATO: $120,000

Already contributed this FY

Room remaining

$120,000

Or up to $360,000 using the 3-year bring-forward

Bring-forward 3-year cap

$360,000

Available if TSB under threshold — contribute up to 3 years of cap in one hit

Why carry-forward matters. If your total super balance on 30 June last year was under $500,000 and you didn't use your full concessional cap in prior years, you can roll that unused amount forward for up to 5 years. Most Australians don't realise this and leave thousands in concessional tax savings on the table.

Opens straight into Excel, Numbers or Google Sheets

Where these numbers come from

Keep reading

Carry-forward contributions explained →

General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.