Non-Concessional Contributions Calculator
Bring-Forward Rule & $130,000 Cap, FY2026-27
How much after-tax money can you put into super this year? The cap is $130,000, or up to $390,000 with the bring-forward rule, depending on your super balance and any period you have already started.
Read the full answer — method, rates and figures
Quick answer: The non-concessional (after-tax) contributions cap is $130,000 for 2026-27, up from $120,000. If you are under 75 at any time in the year you can use the bring-forward rule and put in up to three years' worth at once: $390,000 if your total super balance at 30 June 2026 was under $1.84m, $260,000 over two years if it was $1.84m to under $1.97m, and only the $130,000 annual cap from $1.97m to under $2.1m.
At $2.1m or more (the general transfer balance cap) the cap is nil. A bring-forward that started in 2024-25 or 2025-26 is fixed at that year's $360,000, not the new $390,000.
Example: with $650,000 in super, a $300,000 contribution this year triggers a three-year period and leaves $90,000 to use by 30 June 2029. Source: ATO, read 4 October 2026.
How much can I put into super after tax this year?
Up to $130,000 in 2026-27, or $390,000 at once if you are under 75 and your total super balance was under $1.84m on 30 June 2026. Nothing at all if it was $2.1m or more. A bring-forward you started in 2024-25 or 2025-26 keeps its old $360,000 limit.
Most you can add in 2026-27
$390,000
Your plan
$300,000
Left after plan
$90,000
Bring-forward
Starts, to 2028-29
Your balance is under $1.84m, so you can contribute up to $390,000 this year by bringing forward two future years. Your plan goes over $130,000, so it starts a three-year period ending 2028-29: $90,000 is left to use in that period.
Keep track of your caps
Bring-forward periods run for up to three years and the balance test repeats every 30 June. Richify keeps your super balance next to your property and investments, so you can see where you stand before the next contribution.
Super balance, 30 June 2026
$650,000
Room in 2026-27
$390,000
Planned contribution
$300,000
Left after plan
$90,000
Last reviewed 4 October 2026 by the Richify AI agent team.
Reviewed by Felix, Richify's AI CFO — an AI author, presented as one.
This is the textbook answer. Want to see this calculated against your actual accounts?
Connect them to Richify →Track Every Dollar You Put Into Super
Richify keeps your super, property and investments in one net worth view, so a large after-tax contribution shows up where it lands. Free, no ads.
Get Richify — It's FreeHow it works
The calculator applies the ATO's first-year bring-forward tables. With no period running, your total super balance at 30 June 2026 sets the 2026-27 limit: under $1.84m → $390,000, under $1.97m → $260,000, under $2.1m → $130,000, otherwise nil. Being 75 or over for the whole year removes the bring-forward. A contribution above $130,000 starts the period.
With a period already running, the limit is the period's fixed cap (from the year it started: $360,000 for three years or $240,000 for two, in 2024-25 and 2025-26) less what you have contributed since, and nil if your balance reached $2.1m at 30 June 2026. A two-year period started in 2024-25 ended on 30 June 2026, so you start fresh. The excess tax shown is option 2 (47%); under option 1 the excess is released to you instead. Your fund's own acceptance rules for older members are not modelled.
Bring-forward table for 2026-27: how much you can contribute by super balance
| Total super balance, 30 June 2026 | Cap in the first year | Period |
|---|---|---|
| Under $1.84m | $390,000 | 3 years |
| $1.84m to under $1.97m | $260,000 | 2 years |
| $1.97m to under $2.1m | $130,000 | No bring-forward |
| $2.1m or more | Nil | — |
Each band edge is the $2.1m transfer balance cap less one or two years of the $130,000 cap, so a full bring-forward can never take you past the transfer balance cap on contributions alone. Under 75 at any time in the year. Source: ATO, read 4 October 2026.
How the cap has changed: 2024-25 to 2026-27
| Year | Annual cap | 3-year max | Nil from |
|---|---|---|---|
| 2024-25 | $120,000 | $360,000 | $1.9m |
| 2025-26 | $120,000 | $360,000 | $2m |
| 2026-27 | $130,000 | $390,000 | $2.1m |
The 3-year maximum needs a balance under $1.66m (2024-25), $1.76m (2025-26) or $1.84m (2026-27) at the previous 30 June.
Timing a large contribution around 1 July
Because the period starts in the year you first go over the annual cap, the date matters. Someone who started a three-year period in 2025-26 is locked at $360,000 until 30 June 2028. Someone who waited until after 1 July 2026 gets $390,000, $30,000 more. The same logic applies before the next indexation, so a contribution planned for late June is worth checking against the cap that starts a few days later.
One way to stretch the limits is to contribute no more than that year's annual cap before 30 June (going even $1 over starts a bring-forward period in the old year) and then a full bring-forward after 1 July. That only works if your balance on 30 June, including the June contribution, is still under the three-year threshold. Contributions count in the year your fund receives them, so allow for bank and clearing-house delays.
Before-tax contributions are a separate cap: see the carry-forward super calculator for unused concessional cap from earlier years and the salary sacrifice calculator for the tax saving. On a low income, a small after-tax contribution may also earn the government co-contribution. Selling the family home after 55 opens the downsizer contribution, which sits outside this cap.
Last updated: 4 October 2026, FY2026-27 figures.
Primary sources: ATO, Non-concessional contributions cap (updated 7 May 2026); ATO, Contributions caps, key superannuation rates and thresholds (updated 11 September 2026).
Related Australian super tools
Super calculator
Project your super balance at retirement at SG 12%.
Salary sacrifice calculator
Tax saving from redirecting pre-tax salary into super.
Carry-forward super calculator
Unused concessional cap from the last 5 years — and what expires 30 June 2027.
Super co-contribution calculator
The government matches after-tax contributions 50c in the dollar, up to $500.
Parental leave super calculator
The ATO now pays 12% super on Parental Leave Pay — children born from 1 July 2025.
Division 293 calculator
Check if the 30% Div 293 surcharge applies to high earners.
FHSS calculator
First Home Super Saver — up to $50K released for a deposit.
Drawdown calculator
Project how long your super lasts in retirement.
Age Pension calculator
Income test + assets test + deeming — see which one binds.
Deeming calculator
Deemed income at the 20 Sep 2026 rates, and what the rise did to your pension.
SMSF setup cost calculator
Fixed SMSF costs vs percentage fund fees — find the break-even balance.
SMSF pension phase calculator
Minimum drawdown + tax-free earnings for SMSF retirees.
Transition to retirement calculator
From 60: a tax-free TTR pension plus salary sacrifice, or fewer hours on the same pay.
Payday Super calculator
The 7-business-day deadline from 1 July 2026, plus the SGC if it's late.
SMSF property borrowing checker
The LRBA ban is in force — are you grandfathered, and what can the fund still borrow for?
Average super by age
Compare your balance to Australians your age (ATO data).
Super Snapshot
Get your Super Score and a retirement projection.
Superannuation guide
SG rate, caps, salary sacrifice, finding lost super.
How much super should I have?
ATO median vs ASFA Comfortable on-track target by age.
9 common super mistakes
Default option, lost super, beneficiary nominations — fixes for each.
Super depletion factors
APRA minimum drawdown, actuarial multipliers, and Safe Withdrawal Rate — three frameworks explained.
Payday Super 2026
ATO super payment changes effective 1 July 2026 — paid with each wage cycle, not quarterly.
How to use this calculator
- Enter your total super balance at 30 June 2026, across every fund (your fund or ATO online services shows it).
- Say whether you will be under 75 at any time in 2026-27.
- If you already triggered a bring-forward in 2024-25 or 2025-26, pick it and enter what you have contributed since it started (ATO online services → Super → Information → Bring-forward arrangement).
- Enter the after-tax contribution you plan to make this financial year.
- Read the most you can contribute, whether your plan starts a bring-forward period, and any excess.
❓ Frequently Asked Questions
What is the non-concessional contributions cap for 2026-27?
$130,000 a year from 1 July 2026. It is set at four times the concessional cap ($32,500), so it rises when that cap is indexed to wages: it was $120,000 in 2024-25 and 2025-26.
Non-concessional contributions are after-tax money you put into super yourself and do not claim a tax deduction for, plus anything a spouse or someone else adds for you.
How does the bring-forward rule work?
If you are under 75 at any time in the financial year, contributing more than $130,000 automatically brings forward the next one or two years' caps. With a total super balance under $1.84m at the previous 30 June you can put in $390,000 over three years, in any split, including all of it on day one.
Between $1.84m and $1.97m the limit is $260,000 over two years. The period starts in the year you go over the annual cap, not when you decide to use it.
If I triggered the bring-forward in 2025-26, do I get the higher cap?
No. The cap is locked at the amount for the first year of the period, so a three-year period started in 2025-26 stays at $360,000 (three times $120,000) even though the annual cap is now $130,000. What you can still put in during 2026-27 and 2027-28 is $360,000 less what you contributed in 2025-26.
The ATO's own example makes the same point about indexation inside a period.
What happens if my super balance is over $2.1m?
If your total super balance was $2.1m or more at 30 June 2026, your non-concessional cap for 2026-27 is nil and anything you contribute is an excess. That also switches off the remaining years of a bring-forward period that is already running.
The test is repeated each 30 June, so a market fall can reopen the cap the following year. The $2.1m figure is the general transfer balance cap, which rose from $2 million on 1 July 2026.
What if I go over the non-concessional cap?
The ATO sends a determination and you choose within 60 days. Option 1: release the excess plus 85% of the associated earnings; the earnings are taxed at your marginal rate with a 15% offset.
Option 2: leave the excess in super and pay excess non-concessional contributions tax at the top rate plus Medicare levy, currently 47%. If you do not choose, the ATO applies option 1.
Option 2 is usually the expensive path: 47% on money you have already paid income tax on.
Do downsizer or small business contributions count towards the cap?
No. A downsizer contribution (up to $300,000 from the sale of your home, from age 55) and contributions of small business sale proceeds under the CGT cap (lifetime $1,935,000 for 2026-27) sit outside the non-concessional cap, although both still raise your total super balance for next year's test. Personal contributions you claim a deduction for are concessional, not non-concessional, and count towards the $32,500 cap instead.
More free financial calculators
Borrowing Capacity Calculator
How much can you borrow? Estimate your home-loan power with APRA's buffer.
🏠Mortgage Calculator
Estimate monthly repayments, interest, and amortisation.
🔄Refinance Calculator
See how much you could save by switching lenders.
🧾Pay Calculator
Your 2026-27 take-home pay per week, fortnight or month.
💰Net Worth Calculator
Track your assets minus liabilities in one place.
🏆Net Worth Percentile
See where your net worth ranks against Australians your age.
🔥FIRE Calculator
Find out when you can reach financial independence.
Further Reading
Track Every Dollar You Put Into Super
Richify keeps your super, property and investments in one net worth view, so a large after-tax contribution shows up where it lands. Free, no ads.
Get Richify — It's FreeKeep your super balance and caps in viewTrack my super
Free in the Richify app