Take advantage of extra non-concessional contributions
A special rule enables you to ‘bring forward’ up to three years' worth of contributions.
If you are under 75, you may make up to three years' worth of extra non-concessional contributions in a single year. This means you ‘bring forward’ your non-concessional cap up to two financial years. This allows you to contribute up to $360,000 in one financial year.
To access the bring forward arrangement in 2025/26:
- You must be under 75 years of age on 1 July of the first financial year (trigger year). Before 2022/23 the age was under 67 years.
- If you have a high total super balance on 30 June 2025, your ability to take advantage of these arrangements in 2025/26 will be limited as shown below.
The following table shows the bring-forward arrangement for the first year:
Scroll table horizontally on mobile
Total super balance on 30 June of previous year |
Non-concessional contributions cap for the first year |
Bring-forward period |
---|
Less than $1.76 million
|
$360,000
|
3 years
|
$1.76 million to less than $1.88 million
|
$240,000
|
2 years
|
$1.88 million to less than $2 million
|
$120,000
|
Not applicable
|
$2 million or more
|
Nil
|
Not applicable
|
If you contribute $360,000 in one financial year, you'll need to wait two financial years to contribute more.