Total Superannuation Balance

Your total superannuation balance (TSB) is the combined value of all your super interests across all funds (including SMSFs, retail, industry, and defined benefit funds) as at 30 June of the previous financial year. It is used by the ATO as a gatekeeper for several super concessions and caps, making it one of the most important figures in super planning.

Key thresholds linked to TSB include: $500,000 — below this, you can access carry-forward unused concessional cap amounts; $1.84 million — above this, the bring-forward NCC arrangement is reduced; $2.1 million — at or above this, you cannot make any non-concessional contributions; $2.1 million — the transfer balance cap for 2026–27, which limits how much you can move into the tax-free retirement phase.

Your TSB is calculated as the sum of: your accumulation phase interests (at their balance date value), your transfer balance account (retirement phase interests, at their commencement day values adjusted for certain events), any rollovers in transit, and any outstanding limited recourse borrowing arrangement amounts for SMSFs. The ATO tracks your TSB using information reported by super funds in their annual returns. You can check your current TSB through ATO online services via myGov.