Welcome to SuperCap
Plan your super contributions with confidence
SuperCap turns your salary, payroll timing and contributions so far into a practical salary-sacrifice estimate for each pay.
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Your figures stay private
Calculations and saved figures stay in this browser. Lightweight traffic analytics may count visits and broad geography, but nothing you enter into the calculator is tracked or collected.
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Explore with example figures
SuperCap begins with dummy data, so you can see how it works before entering anything personal. You can reset everything at any time.
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An estimate, not financial advice
Rules, payroll and contribution timing can change the outcome. Check your fund records and confirm the figures with your super fund, payroll or the ATO before acting.
Open source and dependency-free View on GitHub
Financial year
ATO publishedWhich year are you planning for? SuperCap uses the concessional cap and Super Guarantee rules that apply to that year.
Decides which pays have already happened.
Salary
Example figuresWhat will you earn this financial year? If you get a rise part-way through, SuperCap pro-rates by calendar day.
Bonus
A bonus paid this year uses concessional cap space if your employer pays super on it. Leave this at $0 if you do not expect one.
Use the date it is actually paid, even if it relates to last year's performance.
Bonus treatment varies between employers. Confirm with Payroll if you are not sure.
Payroll
How often you are paid, and one known payday. SuperCap works out the rest of the cycle from there.
Any payday from your normal fortnightly cycle. SuperCap works out the rest.
Salary sacrifice so far
Anything you have already sacrificed this year counts toward the cap, so the recommendation only covers what is left. If you enter it from payroll, SuperCap uses the pay cycle you just set.
Most accurate if you can see the amount your fund has received.
Carry-forward cap
Unused concessional cap from earlier years can be carried forward if you are eligible. SuperCap will not guess the amount or assume you qualify. Get the figure from myGov or your adviser, and leave this at $0 if you are not sure.
Need advanced options?
Employer super above the Super Guarantee, personal deductible contributions, or actual figures from your fund.
Advanced
Most people can skip this. Use it if you contribute extra yourself, your employer pays above the Super Guarantee, or you have actual fund figures later in the year.
Employer super
Employers only have to pay super up to this level of earnings. Turn it off if yours contributes above the statutory minimum.
Other concessional contributions
These use up concessional cap space too. After-tax (non-concessional) contributions do not. Leave those out.
Actual fund figures
Useful later in the year. Amounts received up to your calculation date come from these figures; everything after it stays a SuperCap estimate.
Your answers
Recommended salary sacrifice
Actual + projected0
/ fortnight
$0 less take-home per fortnight
Adjust this amount
Against the cap this year
$0 of $0
You may have unused cap from earlier years. Check ATO online services in myGov under Super → Information → Carry forward concessional contributions, then enter only the confirmed amount.
How this adds up
Your typical pay
Super this year
You can use eligible carry-forward cap above the general cap, but your employer will not do this automatically. You may need to make a salary-sacrifice arrangement or give Payroll additional instructions.
Payroll email
Using custom amount
To Payroll
Pay schedule
- Completed
- Next pay
- New sacrifice starts
- Bonus
How SuperCap calculates this Assumptions, methodology and rules data
- Financial year
- Australian financial years run 1 July to 30 June. Everything is scoped to the year you select.
- Salary
- Salary is pro-rated by exact calendar days either side of your increase date, not by whole months. Your employer's payroll may differ slightly.
- Employer super
- Estimated as the Super Guarantee rate applied to your qualifying earnings. Salary sacrifice does not reduce this estimate. Your normal SG entitlement is worked out as though you had not sacrificed anything.
- Bonus
- Counted in the financial year it is paid, not the year it was earned. Employer super on a bonus is included only when you say your employer pays it.
- Maximum contribution base
- From 1 July 2026 this is an annual figure. Once qualifying earnings reach it, employers need not pay further Super Guarantee for the year, so SuperCap caps the statutory estimate. Where the base binds, the split between salary and bonus super is proportional. The total is the reliable figure.
- Concessional cap
- Employer contributions, salary sacrifice and personal deductible contributions all count towards the same cap. Employer super consumes cap space; it is not added on top of it.
- Pay cycle
- Every payday is derived from the one known payday you enter. Weekly and fortnightly cycles step a fixed number of days; monthly cycles use the same calendar day each month, clamped to the last day of shorter months. SuperCap counts the pays that fall in the year rather than assuming 26, 12 or 52.
- Remaining deductions
- Counted from the payday your new election starts, through to the last payday in the year. A payday falling on your calculation date is assumed to be already processed unless you say otherwise.
- Safety buffer and rounding
- The recommendation is rounded down to a whole dollar after subtracting your buffer, so rounding can never push you past your target.
- Estimated tax saving
- Compared with taking the same salary-sacrifice amount as taxable pay. SuperCap applies resident income-tax rates to your projected salary and bonus, then subtracts the 15% contributions tax the fund pays. That is why sacrificing $200 in the 37% bracket only reduces take-home by about $126 — the rest is tax you would have paid. Medicare levy, HELP, offsets, Division 293 and other income are not included. This is an estimate, not tax advice.
- Typical pay
- Your regular pay before tax, after tax and after this salary sacrifice, at the current salary rate and pay cycle. The first two figures are the pairing that matters: the salary-sacrifice amount you elect, then the after-tax take-home impact, which is smaller because some of the sacrifice is income tax you would have paid. SuperCap divides that annual salary and estimated resident income tax across the pays it counted in the year. Bonus is left out of this typical-pay picture because it is not regular pay. The annual tax-saving figure still includes bonus income.
- Actual figures
- When actual fund figures are switched on, amounts received up to your calculation date come from what you entered, and the remainder of the year stays a SuperCap estimate.
- Contribution timing
- Under Payday Super, when a contribution reaches your fund affects which year it counts in. SuperCap is a planner, not a fund ledger. Your fund's records and the ATO are authoritative.
Australian rules data
- Financial year
- Status
- Last verified
- Source
- Rules version
- App version
SuperCap carries a static dataset. Nothing updates automatically. A maintainer edits dev/data.json when the rules change.