Superannuation Tracker: Stay Within Your Caps
Concessional cap is $30,000. Non-concessional cap is $120,000 (or $360,000 if you trigger the bring-forward rule). Track contributions across employer SG, salary sacrifice, personal deductible, and after-tax to avoid excess contribution charges.
2025/26 super contribution calculator
Employer SG + salary sacrifice + personal deductible.
After-tax personal contributions (no deduction claimed).
Concessional remaining
$15,000
Cap: $30,000
Non-concessional remaining
$120,000
Standard cap: $120,000 (up to $360,000 with bring-forward)
How the super contribution caps work
Australian superannuation has two parallel contribution caps that operate independently. The concessional cap ($30,000 for 2025/26) covers contributions on which you (or your employer) claim a tax deduction — Superannuation Guarantee, salary sacrifice, and personal contributions where you lodge a Notice of Intent to claim a deduction. These contributions are taxed at 15% inside super (30% if Division 293 applies — extra 15% for individuals with combined income + concessional contributions over $250k).
The non-concessional cap ($120,000) covers after-tax personal contributions where no deduction is claimed. These aren't taxed inside super — you've already paid marginal rate on the money — and they grow tax-advantaged thereafter. Importantly, non-concessional contributions stop entirely once your total super balance (TSB) reaches the $1.9m transfer balance cap; check your TSB at 30 June of the prior year before contributing.
Bring-forward rule. If you're under 75 and your TSB allows it, you can bring forward two future years of non-concessional cap. With a TSB under $1.66m, you can contribute the full $360,000 in a single year and lock out non-concessional contributions for the next two years. Between $1.66m and $1.9m TSB, the bring-forward is reduced; above $1.9m, no non-concessional contributions are permitted at all.
Carry-forward concessional (low TSB only)
Since 2018/19, individuals with a total super balance under $500,000 at 30 June of the prior year can carry forward unused concessional cap from the previous five years. So if your TSB is low and you've under-contributed concessional in past years, you can make a larger personal deductible contribution this year — useful for evening out variable income or after a property sale realises a CGT event.
How WealthWatch tracks super
For SMSFs with a brokerage account, connect via WealthWatch's broker connections (CommSec, Stake, IBKR, etc.). For industry / retail funds (AustralianSuper, REST, Cbus, Hostplus), we don't have direct API access — use the CSV import to log your half-yearly statement contributions. Either way, the tracker tags concessional vs non-concessional, applies the current caps, and warns before you breach. Division 293 income flag triggers when other income data shows you nearing $250k.
Contributions log exports as CSV for handing to your accountant at tax time.