Super Contribution Strategy Checker
Answer a few questions and see which super strategies you may be able to use this year — co-contribution, carry-forward, bring-forward, spouse contributions, splitting and more.
Based on 2025–26 rules. A guide only — general information, not personal advice. We confirm your exact position from your ATO record.
About you
Salary/wages + other taxable income
All your super, at 30 June 2025
Contributions this year (2025–26)
Employer super + any salary sacrifice
Personal after-tax contributions already made
Used to estimate the government co-contribution
Your spouse (optional)
Fill in your details above — your strategies appear here.
Get your results
These are starting points, not advice. Want us to confirm your exact caps from your ATO record and build the right plan?
Book a chat with usAll done — check your inbox shortly.
We've emailed your super strategy summary (Excel + PDF). If you'd like us to confirm your exact position and put a plan in place, just reply to that email or book a time with us.
This checker uses 2025–26 superannuation rates and thresholds (co-contribution income thresholds $47,488/$62,488; concessional cap $30,000; non-concessional cap $120,000 with bring-forward to $360,000; general transfer balance cap $2.0m; carry-forward available if total super balance is under $500,000). It estimates eligibility from what you enter and excludes prior-year contribution history, work-test specifics and individual circumstances — your actual unused cap and total super balance are on your ATO/myGov record. From 1 July 2026 the non-concessional cap rises to $130,000 and the transfer balance cap to $2.1m. General information only, not personal advice. Navarino Wealth Pty Ltd.