Information update as of September 2026: the caps in this video have changed. The non-concessional contributions cap is now $130,000 a year (from 1 July 2026), or up to $390,000 using the bring-forward rule, not $110,000 and $330,000 as stated in the video.

Non-concessional contributions are after-tax money you put into super without claiming a deduction. From 1 July 2026 the cap is $130,000 a year. If you're under 75 and eligible, the bring-forward rule lets you contribute up to three years' worth at once ($390,000), depending on your total super balance. The cap is nil once your total super balance reaches the general transfer balance cap.

In this video, McKern financial adviser Kristian Tangan explains how these contributions work and walks through a real-world style example: a couple selling a business property before retirement who combine a catch-up concessional contribution (to reduce capital gains tax) with bring-forward non-concessional contributions to move more of the sale proceeds into super.

In this video

0:00 What are non-concessional contributions?

0:39 What is the current cap?

1:09 Why can this help at tax time?

2:30 What's the best way to decide what suits you?

General information only, not personal advice.