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  • Working out your concessional contributions cap

    From 1 July 2021, the general concessional contributions cap is $27,500 for a financial year, in line with increases in average weekly ordinary time earnings (AWOTE).

    Table 1: General concessional contributions caps from 2017–18 onwards

    Financial year

    General concessional
    contributions cap

    2021–22

    $27,500

    2020–21

    $25,000

    2019–20

    $25,000

    2018–19

    $25,000

    2017–18

    $25,000

    Before 1 July 2017, your concessional contributions cap was dependent on your age. This is no longer the case.

    However, from 2019–20 your concessional contributions cap can be increased if you meet all these conditions. You:

    • have a total super balance of less than $500,000 at the end of 30 June of the previous financial year
    • make concessional contributions in the financial year that exceed your general concessional contributions cap
    • have unused concessional contributions cap amounts from up to five previous years (but not before 2018–19).

    If you meet these conditions you can make concessional contributions above the general cap without paying extra tax.

    How to view your concessional contributions cap information

    You can view and manage your concessional contributions and carry-forward concessional contributions using ATO online services (accessed via myGov).

    Log in to ATO online services, select Super, then navigate to Concessional contributions.

    Be aware that due to the reporting timeframes of funds, especially SMSFs, the latest information may not be available in ATO online services. You can contact your super fund to get the most up to date information.

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      Last modified: 08 Sep 2021QC 19749