Contribution breakdown
Employer super$13,200
Salary sacrifice$5,000
Employee after-tax$1,000
Deductible personal$0
Existing concessional$0
Accountants and employees
Maximum Concessional Contributions Calculator
Estimate concessional contributions used and remaining concessional cap for Australian super.
How this estimate works
This calculator estimates how much of the concessional cap has been used by employer super and salary sacrifice, then shows the remaining cap.
Using 2026-27 assumptions: SG 12%, concessional cap $30,000, Division 293 threshold $250,000.
Employer super
$13,200
Employee contributions
$1,000
Salary sacrifice
$5,000
Total contributions
$19,200
Remaining concessional cap
$11,800
Estimated tax savings
$750
Employer total cost
$123,200
Tax and cap detail
- Annual income
- $110,000
- Ordinary time earnings
- $110,000
- Concessional contributions
- $18,200
- Remaining cap
- $11,800
- Excess concessional estimate
- $0
- Division 293 taxable contributions
- $0
- 5-year contribution projection
- $96,000
Frequency summary
| Item | Annual | Monthly | Fortnightly | Weekly |
|---|---|---|---|---|
| Employer super | $13,200 | $1,100 | $508 | $254 |
| Employee contributions | $1,000 | $83 | $38 | $19 |
| Salary sacrifice | $5,000 | $417 | $192 | $96 |
| Total contributions | $19,200 | $1,600 | $738 | $369 |
| Employer total cost | $123,200 | $10,267 | $4,738 | $2,369 |
Example
With a $30,000 concessional cap and $18,000 of concessional contributions, the estimated remaining cap is $12,000.
ATO guidance
FAQs
Does this include carry-forward concessional caps?
No. It uses the current annual cap only. Carry-forward eligibility depends on prior year unused caps and total super balance.
What counts as concessional contributions?
Employer SG, salary sacrifice and deductible personal contributions are common concessional contribution types.
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