Concessional Super Cap ($30,000) & Carry-Forward Calculator
Track your $30,000 annual concessional contributions cap and utilize unused carry-forward cap amounts from the past 5 years (under $500k balance).
Track your $30,000 annual concessional contributions cap and utilize unused carry-forward cap amounts from the past 5 years (under $500k balance).
Track your $30,000 annual concessional contributions cap and utilize unused carry-forward cap amounts from the past 5 years (under $500k balance). Calculate exact, penny-accurate projections compliant with 2026 ATO • Reserve Bank of Australia (RBA) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Total Concessional Contributions: $17,000.00
Remaining Cap = Standard Cap ($30k) + Approved Carry Forward - (Employer SG + Salary Sacrifice + Deductible)Carry-forward catch-up is only unlocked if total super balance was strictly below $500,000.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual ATO tax rates, superannuation rules, RBA cash rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult an ASIC-licensed financial advisor or CPA prior to executing financial commitments.
The general concessional contributions cap is $30,000 per financial year. This covers employer SG contributions (12%), salary sacrifice amounts, and personal contributions claimed as a tax deduction.
If your Total Superannuation Balance is below $500,000 on 30 June of the previous financial year, you can carry forward unused concessional cap amounts for up to 5 rolling years.
Excess concessional contributions are included in your personal income tax return and taxed at your marginal tax rate, with a 15% tax offset for tax already paid by the super fund.
Calculate net take-home pay across weekly, fortnightly, monthly and annual periods with updated Stage 3 tax cuts, Medicare Levy (2%), and 12% Superannuation.
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Estimate your 2% Medicare Levy, low-income threshold phase-in relief, and Medicare Levy Surcharge (MLS 1% to 1.5%) if you do not have private hospital cover.