Catch-up contribution unlock
If your Total Super Balance was under $500k at 30 June, you can roll five years of unused concessional cap into one big deduction. Most people never use it. Here's what's sitting on the table.
Built on 2025-26 ATO rates · Last reviewed April 2026
Unused cap from each of the last 5 years
Effective cap this year
$101,000
$30,000 standard + $71,000 carry-forward
Room left
$89,000
Can be salary sacrificed or claimed via personal deduction
Tax saved if you fill it
$17,355
Marginal 34.5% − contribution tax 15%
What this means
You could put $89,000 extra into super this FY using the carry-forward rule, saving $17,355 in tax. Use it or lose it — the oldest year drops off every July 1.
How to find your unused amounts. Log into myGov → ATO → Super → Carry-forward concessional contributions. The ATO already tracks this for you — it just doesn't tell you. Year-5 (the oldest) expires at the end of this FY.
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Where these numbers come from
Keep reading
Catch-up contributions guide →General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.