What's the super contributions cap?
The government sets limits on how much money you can add to your super each year: the contribution caps. Adding extra to your super is a great way to grow your balance. But if you go over these limits, you may pay extra tax.
Check my super cap
It's easy to see if you're near your cap by checking your account online or in our mobile app. If you have super in other funds, log in to myGov.
What's is the super contributions cap for 2024–25 and 2025-26?
There are 2 types of super contributions that have a cap to limit them. Let's look at how these both work, and how much you can add for the financial year from 1 July 2024.
Before-tax concessional contributions
These payments go into your super without income tax on them. So you only pay the 'concessional' 15% tax in your super. (Or 30% if your income + super is over $250,000/year.)
$30,000 cap per year
Concessional contributions cap 2024
plus carry-forward amounts since 1 July 2019 (previous cap was $27,500)
This can include:
Your employer's super guarantee contributions
Any salary sacrifice contributions you set up
Personal contributions you've claimed on tax
Notional taxed contributions for Defined Benefit accounts
After-tax non-concessional contributions
Non-concessional contributions can also be called voluntary contributions, personal contributions, or after-tax contributions. The cap doesn't include downsizer contributions or COVID-19 re-contributions.
$120,000 cap per year
Non-concessional contributions cap 2024
Or check the bring-forward rules in our FAQs for a higher cap.
The cap is $0.00 if your total super balance is $1.9 million or more at 30 June 2024.
This can include:
Money you add from your take-home pay after income tax
Money you add directly from your bank account
Contributions from your spouse
Any before-tax contributions over the concessional contributions cap that you haven't taken out
Keep track of your contributions
You can track payments to your ART account anytime in our mobile app or online. And you can use ATO online services for payments to other super funds.
FAQs about the super contribution cap
Check these frequently asked questions (FAQs) for more on maximum super contribution limits. Need help with your super? Contact us today.
Keep growing your super
Make a contribution
Add an after-tax payment to your super in Member Online or BPAY®. Or set up salary sacrifice payments with your employer.
Find and combine super
Having your super in the one spot makes it easier to manage. And it means one set of fees. Check if you're missing super.
Get a bonus
See if you can get a top up to your super from the government. If you retire with us, you might earn a bonus as well.