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Stay on top of your superannuation contributions. Track employer SG, salary sacrifice, personal and non-concessional contributions against ATO caps so you never accidentally exceed them.
See your concessional ($32,500) and non-concessional ($130,000) cap usage in real time. Get warned before you exceed limits.
Super caps are per financial year (July-June). See exactly where you stand for the current FY.
Track employer SG, salary sacrifice, personal deductible and non-concessional contributions separately.
Export the current financial or calendar year's contributions as CSV for your tax return. Concessional and non-concessional split automatically.
Concessional
$18,500
Cap Room
$14,000
Non-Concessional
$0
Total This FY
$18,500
Example data shown. Your actual totals will appear here.
Optimise your super strategy and avoid excess contribution tax.
Contribution caps and rules follow current ATO thresholds. Caps are indexed periodically — always confirm the current figures before making a large contribution.
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.
A super contributions tracker is a running log of every dollar that goes into your super — employer Super Guarantee payments, salary sacrifice, personal deductible contributions and non-concessional (after-tax) contributions — checked against the ATO's annual caps as you go.
The concessional cap (contributions taxed at 15% going in) and the non-concessional cap (after-tax money you add yourself) are tracked separately and breaching either can trigger extra tax, so knowing your running total before you make a large contribution matters more than checking after the fact.
It's most useful for anyone salary sacrificing, making personal deductible contributions, or doing a large one-off non-concessional contribution — the situations where it's genuinely possible to go over a cap without noticing.
Concessional contributions are made before tax (employer SG, salary sacrifice, personal deductible contributions) and are taxed at 15% inside your fund. Non-concessional contributions are made from money you've already paid tax on, so they aren't taxed again going in. Each has its own annual cap.
Excess concessional contributions are added to your assessable income and taxed at your marginal rate, and you receive a 15% tax offset for the tax the fund already paid on them. The ATO works this out automatically after you lodge your return and offers you a release authority — you can elect to release up to 85% of the excess from your super. Releasing the full 85% matters for more than the bill: do that and none of the excess counts towards your non-concessional cap, but release less than 85% and some or all of it still does.
Yes. Employer SG contributions count towards your concessional cap alongside any salary sacrifice or personal deductible contributions — they're not a separate allowance on top of the cap.
It lets eligible members bring forward up to two future years of non-concessional cap into the current year, so you can contribute a larger lump sum at once. Eligibility depends on your total super balance — check the current thresholds before relying on it.
You can generally claim a deduction for personal contributions if you lodge a valid notice of intent with your fund before you lodge your tax return — the contribution itself then counts as concessional, so make sure it's still within your concessional cap.