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Home Contribution limits

Contribution limits

The government has set limits to how much money you can contribute to superannuation in a financial year, these are called contribution caps. If you go over the limits, you may pay extra tax.

Contribution limits

There are limits to how much you can contribute to your super throughout any financial year.


Contribution typeYour age and balanceAnnual caps
(from 1 July 2017)
Before tax (concessional)
Includes employer contributions (e.g. Superannuation Guarantee), any amount you salary sacrifice into super and personal contributions that you claim as a tax deduction
All
(some requirements may need to be met after age 65)
$25,000
You may be able to contribute more using the 'carry-forward'* method.
After tax (non-concessional)
Personal  and spouse contributions for which you do not claim an income tax deduction.
Under age 65 and
a balance of less than $1.6 million 
$100,000
or
$300,000 over a 3-year period using the 'bring-forward'*arrangement
After tax (non-concessional)
Age 65 or over and
a balance of less than $1.6 million
$100,000
If you meet the work test*
or
higher if you're eligible to  make downsizer contributions*
After-tax (non-concessional)Age 75 or over
or
Any age and a balance of more than $1.6 million
Nil

*See below for more information about carry-forward, bring-forward, the work test and downsizer contributions. 

Any amounts contributed in excess of the caps will be taxed at your marginal tax rate or higher. The contribution caps and the $1.6 cap apply in total across all of your superannuation accounts.