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Australia superannuation contribution optimiser tools have never been more important than in 2025. Moreover, with the concessional cap now at $30,000 and the non-concessional bring-forward rule allowing up to $360,000 in a single year, thousands of Australians are missing out on massive tax-saving opportunities.

2025-26 Super Contribution Caps – Official ATO Numbers

Surprisingly, the ATO increased contribution caps significantly for 2025-26 due to strong wage growth. Additionally, indexation now occurs annually, meaning caps will keep rising.

Concessional Contributions – Save Up To 32% Tax

Concessional contributions are before-tax money going into super. Consequently, they reduce your taxable income and are taxed at only 15% inside super (or 0% if your income is below $62,000).

Furthermore, the carry-forward rule introduced in 2018-19 allows you to use unused concessional caps from the past 5 years. However, you must have a total super balance under $500,000 on 30 June of the previous year to carry forward older amounts.

The $360,000 Bring-Forward Rule Explained

Perhaps the most powerful strategy in 2025 is the non-concessional bring-forward rule. In short, if you’re under 75 and your total super balance is below $1.9 million, you can contribute up to three years’ worth of after-tax contributions in one hit.