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Catch-Up Contributions Calculator
Calculate your unused concessional caps from the past 5 years
If your Total Super Balance was under $500,000 on 30 June last year, you can "catch up" by using unused concessional contribution caps from the past 5 years. This calculator shows how much extra you could contribute.
First: Check Your Eligibility
How Catch-Up Contributions Work
From 1 July 2018, if you don't use your full concessional contribution cap in a year, the unused amount carries forward for up to 5 years. Here's what you need to know:
TSB Must Be Under $500,000
Your Total Super Balance at 30 June of the previous year must be under this threshold to access catch-up.
5-Year Window
Unused caps can only be carried forward for 5 years. Older unused amounts expire.
Oldest First
When you contribute, the oldest unused caps are used first before the current year's cap.
Started 2018-19
Catch-up only applies to unused caps from 2018-19 onwards. Earlier years don't count.
Historical Concessional Contribution Caps
| Financial Year | CC Cap | Available for Catch-Up? |
|---|---|---|
| 2025-26 (current) | $32,500 | Current year |
| 2024-25 | $32,500 | ✅ Yes |
| 2023-24 | $32,500 | ✅ Yes |
| 2022-23 | $32,500 | ✅ Yes |
| 2021-22 | $32,500 | ✅ Yes |
| 2020-21 | $32,500 | ✅ Yes |
| 2019-20 | $32,500 | ❌ Expired |
Where to Next?
Need Help With Catch-Up Strategy?
Accuracy Note: Whilst every effort has been made to provide current and accurate information, I am only one person and there's a very good chance that I'll miss something. If you spot a factual error, or if a calculator breaks or gives incorrect answers, I'd be really grateful if you could let me know via the Contact Us page so I can fix it ASAP.
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