Super Contributions
Super contribution caps Australia determine how much you can contribute to your superannuation each financial year while remaining within the applicable tax rules. The 2026–2027 financial year includes updated concessional and non-concessional contribution caps, co-contribution thresholds, transfer balance caps and other important superannuation limits that individuals and advisers should be aware of.
Concessional contributions cap: $32,500
Non-concessional contributions cap: $130,000
Non-concessional contributions cap bring forward and total super balance
- Total super balance: 3 year bring forward <$1.84m
- Total super balance: 2 year bring forward $1.84m to $1.97m
- Total super balance: 1 year only $1.97m to $2.1m
- Total super balance where cap is nil: $2.1m or more
Lifetime CGT cap: $1.935m
Co-contribution
- Lower income threshold: $49,293
- Upper income threshold: $64,293
Super guarantee rate: 12%
- Maximum contributions base (pa.): $270,830
Super Benefits
Untaxed plan cap: $1,935m
General transfer balance cap: $2.1m
Defined benefit income cap: $131,250
Employment Termination Payments
Employment Termination Payment cap: $270,000
Genuine redundancy:
- Tax free base amount: $13,598
- For each completed year of service: $6,801
Contact us today to discuss your superannuation strategy and find out how we can help you make informed financial decisions.
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.