24/09/2026
How much can you actually contribute to your super?
There are two main types of super contributions, and understanding the difference can help you avoid accidentally exceeding your contribution caps.
1. Concessional contributions = before tax
These are generally contributions made before tax, including your employer's Super Guarantee contributions, salary sacrifice and personal contributions you claim as a tax deduction.
For the 2026-27 financial year, the general concessional contribution cap is $32,500. Remember, your employer contributions count towards this cap too.
2. Non-concessional contributions = after tax
These are generally personal contributions made from money you've already paid tax on. You don't claim a tax deduction for these contributions.
For 2026-27, the general non-concessional contribution cap is $130,000.
Here's a simple example:
If your employer contributes $15,000 to your super during the year and you salary sacrifice another $10,000, you've used $25,000 of your $32,500 concessional cap.
That means you may have $7,500 remaining under the general cap for that financial year.
It's important to remember that contribution caps apply across all your super funds, not separately to each account. There are also rules that may eligible individuals to contribute more, including using carried-forward concessional contributions or the non-concessional bring-forward arrangements.
Super rules can be confusing, but understanding the basics doesn't have to be.
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