Non-concessional contributions (NCCs) remain one of the most powerful ways to grow wealth inside the superannuation environment, but contribution caps and TSB thresholds require careful planning. It’s important to stay informed about non-concessional contribution caps 2025–26 to ensure your strategy is up to date.
For 2025–26:
- Standard NCC cap: $120,000
- Bring-forward cap: Up to $360,000 over three years, depending on eligibility
Your available cap depends heavily on:
- Age
- TSB at 30 June 2025
- Existing bring-forward periods
For example:
- TSB under $1.76M → Up to $360,000
- TSB $1.76M–$1.88M → Up to $240,000
- TSB $1.88M–$2M → Standard cap only
- TSB $2M+ → No NCC eligibility
From 1 July 2026, NCC caps and thresholds increase, which may create additional planning opportunities for some clients.
Common Trap:
Contributing too much this year could accidentally trigger bring-forward rules and reduce future flexibility.
Best Practice:
Model both current-year and next-year thresholds before contributing.
Speak With Our Team
Non-concessional contribution rules can become complex when TSB thresholds, bring-forward periods, and future cap increases interact.
Before making large super contributions, contact us to discuss your circumstances and help ensure your contribution strategy aligns with both current and future opportunities.
Disclaimer and Warning
The information above is of a general nature only. It should not be used as a source to make financial decisions. It’s also important to note that the legislation and figures related to this topic tend to change regularly and therefore the information above may not reflect the current status. We recommend that if you are looking for advice on this matter, you should contact us.