Super Carry-Forward Unused Concessional Cap Calculator 2025-26
If your total super balance was under $500,000 on 30 June 2025, you can contribute more than the $30,000 annual cap this year by using unused cap from the past 5 financial years. This calculator shows how much you can use, what expires on 30 June 2026, and your net tax benefit after contributions tax and Division 293.
Combined balance across all super accounts. Must be under $500,000 to use carry-forward.
12% of ordinary time earnings. Leave blank if you’re self-employed.
Contributions for which you’ve lodged (or will lodge) a Notice of Intent to claim.
The extra lump-sum you’re thinking of making before 30 June 2026.
Enter what you contributed in each FY. Anything below the cap that year creates unused carry-forward.
| FY | Cap | Contributions | Expires |
|---|---|---|---|
| 2020-21 | $25,000 | 2025-26 ⚠︎ | |
| 2021-22 | $27,500 | 2026-27 | |
| 2022-23 | $27,500 | 2027-28 | |
| 2023-24 | $27,500 | 2028-29 | |
| 2024-25 | $30,000 | 2029-30 |
Enter your Total Super Balance and current-year income to see how much unused concessional cap you can use this FY.
Frequently asked questions
What is the carry-forward unused concessional cap rule?
What counts as my Total Super Balance for this test?
How do I check my actual unused cap?
Which years are in the 5-year carry-forward window for 2025-26?
What were the historical caps?
Does Division 293 apply to carry-forward contributions?
What happens if I go over the cap including carry-forward?
Can self-employed people use carry-forward?
Related guides
Tax Accuracy & Sources
Uses 2025-26 concessional cap ($30,000), $500,000 TSB threshold, historical caps for 2020-21 to 2024-25, and Division 293 threshold ($250,000). Assumes you are an Australian tax resident for the full year. Excess contributions charges and Notice of Intent lodgement timing are not modelled — consult the ATO or your adviser before making a large lump-sum contribution.