Catch-up contributions

New ‘catch up’ measures mean that if you didn’t use your entire pre-tax (concessional) contribution cap from the 2018-19 financial year, you may be able to contribute the remainder in future financial years.

How it works

The concessional contributions cap is currently $25,000 pa. From 1 July 2018, eligible members who contribute less than the cap will be able to ‘carry-forward’ any unused amounts for up to five years. This may allow you to make additional pre-tax contributions that would have otherwise exceeded the cap.

As it relates to contributions made from 1 July 2018, the first year in which you can access your unused concessional contributions is 2019-20. Unfortunately you won’t be able to access the unused portions of your cap from before 1 July 2018.


To be eligible, your total superannuation balance at 30 June of the previous financial year must be less than $500,000. If you have multiple super accounts, the total of all accounts combined must be less than $500,000. 

Calculating your contributions

Pre-tax (concessional) contributions include employer paid super, employer paid insurance premiums, amounts you salary sacrifice and post-tax contributions for which you have claimed a tax deduction.

If you have multiple super accounts, you’ll need to include pre-tax contributions that have been made into all of your accounts when calculating any ‘carry forward’ amount you believe you are eligible for.

Need help developing a tax effective strategy?

At TelstraSuper we’re here to help you build a secure financial future. TelstraSuper Financial Planning has a team of phone based Advisers who can provide you with simple advice to help you work out how to maximise your tax savings through super. If you’d like to discuss growing your super or if you have any other financial advice queries contact us on 1300 033 166 or fill in our online contact form. There's no additional cost for our phone based advice as this is included in your TelstraSuper membership.