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Picture Book · Super contributions

The yearly cap

Story pages

A man in his early fifties with short grey hair and a neat beard cycling to work along a riverside path
Meet Tom. He's 52 and earns a good salary.
A wooden measuring cup filled exactly to the brim with rice on a kitchen bench
For 2026–27, the concessional cap is $32,500 a year (as at 27 October 2026).
A man in his early fifties handing a folder to a smiling manager in a bright office
His employer's super counts toward it, and so does any salary sacrifice.
Two small streams joining into one larger creek in green bushland
If he has more than one fund, all his concessional contributions are added together.
A bathtub with water just starting to spill over the edge onto a tiled floor
Go over the cap and you may pay extra tax.
A man in his early fifties looking at a tablet on his couch
Tom checks what his employer has paid so far this year before adding more.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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