Find the optimal superannuation contribution strategy for your situation and financial goals.
Concessional (Pre-tax):
• Annual cap: $30,000
• Includes employer super & salary sacrifice
• Taxed at 15% in super
• Can carry forward unused amounts
Non-concessional (After-tax):
• Annual cap: $120,000
• No tax deduction, but tax-free growth
• Bring-forward rule: 3 years at once
• Subject to total super balance test
Age affects contribution limits and access to certain super strategies.
💡 Contribution rules change significantly at ages 50, 60, 65, 67, and 75.