Determine your non-concessional contribution capacity for the current financial year.
Calculate your non-concessional contribution limits.
Enter your age and Total Super Balance to see your results.
The 2024-25 annual non-concessional cap is $120,000.
If you are under 75, you can "bring forward" up to 2 extra years of caps based on your TSB.
If your TSB is $1.9M or more, your non-concessional cap is reduced to nil.
The bring-forward rule allows you to access future years' non-concessional contribution caps in a single year. Depending on your Total Super Balance (TSB), you can bring forward up to two future years of caps, allowing a total contribution of up to $360,000 in the 2024-25 financial year.
From 1 July 2022, individuals aged under 75 can access the bring-forward rule without meeting a work test. However, the contribution must be made by 28 days after the end of the month in which you turn 75.
| Total Super Balance | Cap Period | Max NCC |
|---|---|---|
| Less than $1.66M | 3 Years | $360,000 |
| $1.66M to < $1.78M | 2 Years | $240,000 |
| $1.78M to < $1.90M | 1 Year | $120,000 |
| $1.90M or more | N/A | $0 |
*TSB is measured as at 30 June of the previous financial year.
The information generated by this calculator is for educational purposes only and does not constitute financial or tax advice. The calculator does not take into account previous bring-forward periods that may already be active. We strongly recommend consulting with an SMSF professional before making significant contributions to your fund.