Superannuation Contributions & Cap Calculator
See your total concessional contributions against the cap, what contributions tax and Division 293 take out, and where the balance lands over time. The cap counts employer super, salary sacrifice and personal deductible contributions together - it is easy to breach it without noticing.
Your details
Rates and thresholds change every 1 July.
Projection
| Employer super guarantee (12.0%) | $14,400 |
| Salary sacrifice | — |
| Personal deductible contributions | — |
| Total concessional | $14,400 |
| Concessional cap | $30,000 |
| Excess over cap | — |
| Contributions tax (15%) | − $2,160 |
| Division 293 tax Not applicable | — |
| Net into your fund each year | $12,240 |
| Assumed net return 7.50% growth less 0.90% fees | 6.60% |
| Year | Net contributions | Balance |
|---|---|---|
| Year 1 | $12,240 | $172,140 |
| Year 2 | $12,240 | $195,741 |
| Year 3 | $12,240 | $220,900 |
| Year 4 | $12,240 | $247,720 |
| Year 5 | $12,240 | $276,309 |
| Year 6 | $12,240 | $306,785 |
| Year 7 | $12,240 | $339,273 |
| Year 8 | $12,240 | $373,905 |
| Year 9 | $12,240 | $410,823 |
| Year 10 | $12,240 | $450,177 |
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Frequently asked questions
What counts towards the concessional cap?
Employer super guarantee, any salary sacrifice, and personal contributions you claim a deduction for - all added together. The employer contribution alone on a $250,000 salary is already most of the cap, which is how high earners breach it accidentally.
What is Division 293?
When your income plus concessional contributions exceeds $250,000, contributions tax doubles from 15% to 30% on the amount above the threshold. It does not make super a bad deal - 30% is still below the 47% top marginal rate - but it halves the advantage.
What changed with Payday Super?
From 1 July 2026 employers must pay super with every pay run rather than quarterly, and the maximum contribution base became an annual figure instead of a quarterly one. For most people the practical effect is that super is invested sooner and compounds for longer.
General advice warning: This calculator provides general information only. It does not take into account your objectives, financial situation or needs, and it is not personal credit or financial advice.
Results are estimates based on the inputs and assumptions shown. Any interest rate used is an example and is not an offer of credit. Speak to a licensed credit representative before acting on these figures.