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
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.
Your entries stay saved on this device, so you can come back, adjust and resubmit any time.
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.
Make it personal
This tool shows the general picture - a short chat shows what it means for you. The first meeting is complimentary and no-obligation.
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Related tools: Income Tax Calculator · Retirement Calculator
Please read this before you act on any number above.
This superannuation calculator is not intended to be relied on for the purpose of making a decision
in relation to a financial product, and you should consider obtaining advice from a
financial services licensee before making any financial decisions. The assumptions it
uses, and its limitations, are set out on this page - please read them, because they
change the answer. Separately, any general advice here has been prepared without taking
account of your objectives, financial situation or needs; consider whether it is
appropriate for you before acting on it.