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Non-concessional Contributions


Non-Concessional Contributions

Non-concessional contributions are made into your super fund from after-tax income. These contributions are not taxed in your super fund.

There are caps on the non-concessional contributions you can make each financial year.

From 1 July 2017, the annual non-concessional (after tax) contribution cap was reduced from $180,000 to $100,000 per year. The cap will be indexed in line with the concessional contributions caps.

If you exceed your non-concessional contributions cap in a financial year. you must lodge a tax return for that year, and you may have to pay extra tax.

Non-Concessional Contributions Caps
ASFA Retirement Standard Comfortable lifestyle Modest lifestyle
2020 – 2021 $100,000 47%
2019 – 2020  $100,000 47%
2018 – 2019  $100,000 47%
2017 – 2018  $100,000 47%
2016 – 2017  $180,000 47% (plus 2% budget repair levy)
2015 – 2016   $180,000  47% (plus 2% budget repair levy)
2014 – 2015   $180,000  47% (plus 2% budget repair levy)
2013 – 2014   $150,000  47%

Types of Non-Concessional Contributions include:
  • Contributions you make, or your employer makes on your behalf, from your after-tax income
  • Excess concessional (before-tax) contributions you have not elected to release from your super fund
  • Contributions your spouse makes to your super fund (unless your spouse makes the contributions because they’re your employer)
  • Contributions over your capital gains tax (CGT) cap amount
  • personal contributions not claimed as an income tax deduction
  • Retirement benefits you withdraw from your super fund and ‘re-contribute’ to super
How to get started

If you’d like to start adding more to your super
through salary sacrificing. then consult with one
of our financial adviser