Super Optimisation Planner
Model catch-up concessional contributions, carry-forward unused caps, non-concessional bring-forward, and drawdown strategies across residency transitions.
Your Super Situation
Contribution Strategies
📊 Base (Employer SGC Only)
No additional contributions. Employer pays SGC, no salary sacrifice.
💰 Max Concessional + Catch-Up
Salary sacrifice to the $30k/yr cap + use carry-forward unused caps (TSB < $500k required).
🏦 Non-Concessional Bring-Forward
Up to $120k/yr non-concessional, or $360k over 3 years if under 67 and TSB < $1.66m.
⭐ Max Both (Concessional + Non-Concessional)
Combined max approach using both caps for fastest balance growth.
⚠️ Non-Resident Super Note: Non-residents can still make voluntary contributions if employed in AU. SGC continues on AU-sourced employment. Super earnings taxed at 15% regardless of residency. DASP only available to temporary visa holders departing AU permanently.
Projection Results
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Get Full Super Modelling
Includes Division 293 tax, spouse contributions, downsizer contributions, and SMSF comparison.
Upgrade to PremiumKey Contribution Limits (2024–25)
| Type | Annual Cap | Bring-Forward | Eligibility |
|---|---|---|---|
| Concessional (pre-tax) | $30,000 | Carry-forward up to 5 yrs if TSB < $500k | Any age with employment income |
| Non-Concessional (after-tax) | $120,000 | $360,000 over 3 yrs if under 67 & TSB < $1.66m | Under 75 (work test 67–74) |
| Downsizer Contribution | $300,000 | One-time, per person | Age 55+, sold main residence 10+ yrs |
| Co-Contribution (govt) | $500 max | N/A | Income < $58,445, at least 10% from work |
| Spouse Contribution Tax Offset | $540 max offset | N/A | Spouse income < $40,000 |