Super contribution optimizer

Make the most of concessional contributions.

See how much of the concessional cap you have left, how much to salary sacrifice to hit a target or max out the cap, and a simple view of catch-up (unused cap from past years). Caps and rules change — check ATO for current limits.

Caps and catch-up

Concessional cap (2024–25: $31,500). Employer SG counts towards the cap. Catch-up: if your total super balance is under $500k at 30 June of the prior year, you may carry forward unused concessional cap amounts for up to 5 years. This calculator uses the cap you enter.

This year

10.5% of salary up to max contribution base.

From myGov / ATO; only if TSB under $500k.

Target (optional)

Leave blank to see max you can add.

Results

Room under cap this year —

Suggested salary sacrifice (or personal deductible) —

This is an estimate only, not personal advice. Omission of data or unique variable will have a considerable influence on outcomes. Consider speaking to a licensed adviser for a plan tailored to you where personal variables will be confirmed by supporting documents specific to your preferences and circumstances

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What to do next

Check current caps on the ATO website. Salary sacrifice is arranged with your employer; personal deductible contributions require a notice of intent to claim.

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Information is intended to be only used as a guide. We highly recommend you seek professional advice from licensed professionals. Omission of detail may make scenarios and opportunities not suitable for your specific circumstances.