Catch-Up Concessional Contributions CalculatorCarry Forward Unused Cap — Australia 2026–27
Discover your unused concessional contributions from previous years and see if you're eligible to make catch-up contributions to boost your super and reduce tax.
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Estimated Super Guarantee: $9,600
Must be under $500,000 (TSB at 30 June 2026) to use catch-up contributions.
Salary sacrifice or personal deductible contributions
ATO Remaining Unused Cap Amounts
Amount still unused from 2021/22 at 1 July 2026. Enter 0 if fully used.
Amount still unused from 2022/23 at 1 July 2026. Enter 0 if fully used.
Amount still unused from 2023/24 at 1 July 2026. Enter 0 if fully used.
Amount still unused from 2024/25 at 1 July 2026. Enter 0 if fully used.
Amount still unused from 2025/26 at 1 July 2026. Enter 0 if fully used.
Check myGov → ATO → Super → Information → Carry-forward concessional contributions. Use remaining amounts after all use in earlier years, before any 2026/27 use. If the ATO figures already reflect 2026/27 use, reconcile that use first to avoid counting it twice. Original contributions alone cannot show whether older allowances were consumed. Blank means unknown and is not estimated. ATO records may lag fund reporting; confirm them before acting.
Frequently Asked Questions About Catch-Up Contributions
Common questions about carry-forward concessional contributions and eligibility
Official ATO Information
For official rules, thresholds, and eligibility criteria, refer to the Australian Taxation Office.
View ATO Carry-Forward Contributions GuideRelated Articles
Catch-Up Concessional Contributions Explained
A complete guide to using unused concessional contribution caps from previous years
Catch-Up Contributions Five Year Expiry Rule
How the five year carry-forward window works and when unused caps expire
How to Check Unused Concessional Contributions
Step by step guide to finding your unused caps on myGov
General Information Only
This calculator provides general information only and does not constitute personal financial advice. Results are estimates based on the inputs provided and current ATO rates. Your actual tax obligations may differ. Please consult a licensed financial adviser before making any financial decisions.
Now you can see the cap space. The hard part is using it without triggering something you didn't expect.
Contribution caps, Division 293, and tax timing all interact. Let's work out the right number before you commit.
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