ATO Concessional Cap 26-27 Est.
Notes:
ATO hasn’t updated the concessional cap officially for 26-27, but increasing by 2.5K from 30K-to-32.5K is in the works. Once ATO makes this official update, we’ll update our Super DIY Calculator to reflect our Salary Sacrifice amount.
ATO still hasn’t indexed the marginal tax rates, but doesn’t seem like they plan to either in the future, so 18.2K remains as tax free for singles, and 18.2K*2=36.4K for combined.
// AI Overview //
The general concessional contributions cap will increase to $32,500 for the 2026-27 financial year (starting 1 July 2026), up from $30,000. This $2,500 increase is driven by indexation to average weekly ordinary time earnings (AWOTE). [1, 2, 3]
Key 2026/27 Concessional Contribution Details:
Effective Date: 1 July 2026.
Amount: $32,500 per annum.
Catch-up Rules: If your total super balance was below $500,000 on 30 June 2026, you may be able to contribute more by using unused cap amounts from the previous five years (2021/22 to 2025/26).
Last Chance: The 2025/26 financial year is the final opportunity to use unused cap space from the 2020/21 financial year.
Related 2026/27 Super Changes:
Non-concessional cap: Increases to $130,000 (four times the new concessional cap).
