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 2026–27 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 2026
Contributions this year (2026–27)
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
Start over (clear this form)

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 us

All 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 2026–27 superannuation rates and thresholds (co-contribution income thresholds $49,293/$64,293; concessional cap $32,500; non-concessional cap $130,000 with bring-forward to $390,000; general transfer balance cap $2.1m; 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. General information only, not personal advice. Navarino Wealth Pty Ltd.