From 1 July 2026 the superannuation contribution caps step up with indexation. Planning around the change can let you contribute more, tax-effectively.
| Cap | 2025–26 | 2026–27 |
|---|---|---|
| Concessional | $30,000 | $32,500 |
| Non-concessional | $120,000 | $130,000 |
| Bring-forward (3 yrs) | $360,000 | $390,000 |
What to do about it
If you're planning a large non-concessional contribution, waiting until after 1 July 2026 (or timing a bring-forward trigger) could let you put in more. For concessional contributions, the higher $32,500 cap means a little more salary-sacrifice room.