What's the difference between concessional and non-concessional contributions?

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.

What happens if I go over the concessional cap?

Excess concessional contributions are added to your assessable income and taxed at your marginal rate, with a 15% offset for the tax already paid in the fund, plus an interest charge. The ATO calculates this automatically after you lodge your return.

Does my employer's Super Guarantee count towards my cap?

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.

What is the bring-forward rule for non-concessional contributions?

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.

Can I claim a tax deduction for a personal contribution I log here?

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.

Super Contributions Tracker

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.

Never exceed your super caps

Cap Monitoring

See your concessional ($32,500) and non-concessional ($130,000) cap usage in real time. Get warned before you exceed limits.

Financial Year View

Super caps are per financial year (July-June). See exactly where you stand for the current FY.

Contribution Breakdown

Track employer SG, salary sacrifice, personal deductible and non-concessional contributions separately.

Tax-Ready Export

Export all contribution data as CSV for your tax return. Concessional and non-concessional split automatically.

Know your cap room at a glance

Concessional

$18,500

Cap Room

$14,000

Non-Concessional

Total This FY

$18,500

Example data shown. Your actual totals will appear here.

Start tracking your super contributions

Optimise your super strategy and avoid excess contribution tax.

Back to Trackers

Official sources

Contribution caps and rules follow current ATO thresholds. Caps are indexed periodically — always confirm the current figures before making a large contribution.

How to Use This Calculator

1Log each super contribution as it's made — the amount, the date, the type (employer SG, salary sacrifice, personal deductible or non-concessional) and your fund
2Watch your running total against the concessional and non-concessional caps for the financial year
3Check the split between concessional and non-concessional contributions — they're capped separately and taxed differently
4Export your contribution history at tax time or when claiming a deduction for personal contributions

What is a super contributions tracker?

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.

What the tracker checks for you

Concessional cap: Employer SG, salary sacrifice and personal deductible contributions all count towards this cap together — $32,500 for FY 2026–27.
Non-concessional cap: After-tax contributions you make yourself, capped separately at $130,000 for FY 2026–27 (with a bring-forward rule allowing up to three years in one hit for some balances).
Contribution type breakdown: See exactly how much of your total came from each source — your employer, salary sacrifice, or your own after-tax contributions.
Financial year totals: Contributions are grouped by the financial year they're received in, matching how the ATO applies the caps.

Staying inside your caps

•Log salary sacrifice contributions monthly rather than waiting for your payslip's annual summary — the running total is what protects you from an accidental breach
•Remember employer SG counts towards your concessional cap alongside any salary sacrifice — the two aren't separate allowances
•If you're planning a large non-concessional contribution, check your total super balance first — it affects whether the bring-forward rule is available to you
•Excess contributions are generally taxed at your marginal rate and can trigger extra ATO paperwork — it's simpler to stay under the cap than to unwind a breach

Frequently Asked Questions

Official Sources

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