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Contributions caps

Contribution caps are limits on the super contributions you can make to your super fund each year. There are two types of contributions: concessional (before-tax) and non-concessional (after-tax). Concessional contributions are taxed at 15% in your super fund. Non-concessional contributions are not taxed in your super fund.

The concessional contributions cap is currently $25,000 per year, unless you’re eligible to make carry-forward contributions. Carry-forward contributions allow you to carry-forward any unused concessional contributions cap in any financial year for the next five years.

Concessional contributions include the following types of payments.

  • Employer Superannuation Guarantee (SG) contributions.
  • Award contributions.
  • Any additional pre-tax contributions made by your employer above the compulsory amount required by the SG legislation or Employment Award.
  • Any salary sacrifice contributions.
  • Any personal contributions which you claim as a tax deduction in your tax return.
  • Notional taxed and unfunded defined benefit contributions if you’re a member of a defined benefit fund.

If you exceed your concessional contributions cap, the excess amount is included as assessable income in your tax return. You will pay tax on it at your marginal tax rate, less the 15% tax you will already have paid in your super fund.

The cap for non-concessional contributions is currently $100,000 per year, unless you’re eligible to use the bring-forward rule. The bring-forward rule allows you to bring-forward the next three years of your annual non-concessional contributions cap into the current financial year, meaning you can contribute up to $300,000 without exceeding the cap.

There are two main types of non-concessional contributions:

  1. Any personal contributions you make which you don’t claim as a tax deduction in your tax return.
  2. Any spouse contributions you make directly into your spouse’s super account.

To learn more about super contributions caps see the following SuperGuide links:

  • Super contributions caps for the 2018/2019 year
  • Concessional (before-tax) contributions cap
  • Catch-up concessional contributions
  • Non-concessional (after-tax) contributions cap
  • Bring-forward rule
  • Total superannuation balance and super contributions

Set out below are all SuperGuide articles that relate to Contributions caps.

2019/2020 guide to non-concessional contributions (after-tax super contributions)

July 1, 2019 by SuperGuide Leave a Comment

2019/2020 guide to non-concessional contributions (after-tax super contributions) - Pixmac000044104393 guide 100x75

Most employees know their employer is helping to build their retirement savings by making regular contributions – like the Super Guarantee (SG) – into their super account as part of their salary package. These contributions are taxed concessionally – or at a special low rate – of 15% to encourage Australians to save ... Read more

Your simple guide to Superannuation Guarantee (SG) contributions

July 1, 2019 by Janine Mace Leave a Comment

Your simple guide to Superannuation Guarantee (SG) contributions - Storm 2535020 c 100x75

As employees, most of us see the regular note on our payment summary listing the amount for our employer’s Superannuation Guarantee (SG) contribution into our super account and rarely give it much thought. To help you understand it a little better, here’s SuperGuide’s simple explanation of the SG and what it means for ... Read more

2019/2020 guide to concessional contributions (before-tax super contributions)

July 1, 2019 by SuperGuide Leave a Comment

2019/2020 guide to concessional contributions (before-tax super contributions) - Pixmac000050404529 maximum sg 100x75

Although it can be difficult getting your head around all the different types of super contributions that go into your super account, concessional contributions are the ones you are mostly likely to have and are pretty straightforward to understand. Concessional contributions – what’s that mean? Concessional ... Read more

A super guide to understanding the bring-forward rule

July 1, 2019 by Janine Mace Leave a Comment

A super guide to understanding the bring-forward rule - Pixmac000084284866 forward 100x75

Putting money into your super account is easy. But to ensure you don’t take too much advantage of the generous tax benefits within the super system, the government has progressively tightened up the rules around making contributions. One way to get some extra money into your super account is by using a ‘bring-forward’ ... Read more

Carry-forward contributions: How your unused contribution limits can help you catch up

July 1, 2019 by Janine Mace 1 Comment

Carry-forward contributions: How your unused contribution limits can help you catch up - Pixmac000079452395 money 1 100x75

Feel like you’ve missed the boat when it comes to your retirement savings? Carry-forward super contributions could be the answer for many Australians looking to boost the balance in their super account. What are carry-forward contributions? Carry-forward contributions are not a new type of contribution, they are simply ... Read more

How the Division 293 tax works: Super surcharge for high earners

July 1, 2019 by Janine Mace Leave a Comment

How the Division 293 tax works: Super surcharge for high earners - Pixmac000012187169 coins minimum payments 100x75

For most high income earners, saving for your retirement through super is a sensible strategy, but you need to watch you don’t fall foul of the dreaded Division 293 tax. This delightfully named tax is an extra charge imposed on super contributions made by higher income earners. It is designed to reduce the tax ... Read more

The rules of superannuation: Your guide for 2019/2020

June 17, 2019 by Janine Mace Leave a Comment

The rules of superannuation: Your guide for 2019/2020 - rules 55302697 c 100x75

When you mention super, most people shake their head and mutter about the constant rule changes. Looking back over the past few years it’s a fair comment, with many significant changes occurring – and many more proposed but never legislated. If you are wondering how those changes have affected your super and ... Read more

Quiz: Boosting your super with super contributions

May 1, 2019 by SuperGuide Leave a Comment

Quiz: Boosting your super with super contributions - Quiz 27673755 c1 100x75

Take the following 10 question quiz to test your knowledge on boosting your super with superannuation contributions. Don't worry if you don’t know the answer to a question. Have a go anyway and we’ll let you know the correct answer, as well as providing you with a link to a relevant article. Note: When you pick an ... Read more

Salary sacrifice and super: How does it work?

March 12, 2019 by Janine Mace Leave a Comment

Salary sacrifice and super: How does it work? - Pixmac000015237809 gears how work 100x75

While the sacrificing bit might sound painful, salary sacrifice is really just about giving up something now to get a financial benefit later on. Often called salary packaging, many employees choose to set up these types of arrangements with their employer to forgo part of their salary or wages to help pay for a range ... Read more

What to do if you exceed your super contributions caps

March 12, 2019 by Janine Mace Leave a Comment

What to do if you exceed your super contributions caps - Pixmac000068849253 alert 100x75

When experts talk about super, they often warn about the importance of not going over your contributions caps, but you don’t always hear about what happens if you do. Although carefully monitoring the amount of contributions you or your employer makes into your super account each year is the wisest course of action, ... Read more

Beginner’s guide to making super contributions

March 4, 2019 by Janine Mace Leave a Comment

Beginner’s guide to making super contributions - Calculator 3369839 c 100x75

Building a sizeable retirement nest egg can take some effort, but a recent study by Roy Morgan found only 18% of employees with super currently have more than the compulsory 9.5% of their salary or wages going into their super fund account. This is a significant drop from 2009, when nearly a quarter (23%) of workers ... Read more

Contribution splitting: How to boost your spouse’s super

March 4, 2019 by Janine Mace Leave a Comment

Contribution splitting: How to boost your spouse’s super - Pixmac000084152010 spouse 100x75

Topping up your spouse’s retirement savings account with some of your own super contributions can be a great way to help them save for life after work – and possibly save yourself some tax in the process. Splitting your super contributions with your spouse can be sensible if your spouse is only working part-time or ... Read more

Capital gains and super: Using super contributions to reduce your CGT bill

February 2, 2019 by Janine Mace Leave a Comment

Capital gains and super: Using super contributions to reduce your CGT bill - Pixmac000068851789 file manage 100x75

Super contributions can be used in many different ways when it comes to planning your finances and saving for your retirement. In the right circumstances, they can also be a very useful tool for minimising your tax bill. It’s often overlooked that your super contributions can be used to reduce the amount of capital ... Read more

Richest Australians to take super hit

April 3, 2013 by Michelle Grattan Leave a Comment

Richest Australians to take super hit - Super Axe 3789663 cropped 100x75

Next month’s federal budget will hit the generous superannuation tax breaks received by the very richest Australians. The target will be the highest one to two per cent of earners, with the government arguing that the cutback is necessary to keep superannuation concessions sustainable over the longer term. ... Read more

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Superannuation contributions tax
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      • How super is taxed
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