How to access unused concessional contribution caps from years before moving to Australia?

 Author: RachelATO(Community Moderator)Community Moderator

1 June 2026

Hi @mr_pepper,

No, you can't access or carry forward unused concessional contribution cap amounts from years before you moved to Australia and joined a super fund. In your situation, the unused cap amounts you can carry forward started accumulating from the 2023–24 financial year. This is the first year you had a super fund in Australia.

Years before you moved to Australia and opened your super account in 2023 won't appear in your carry forward amounts, even though the carry forward rules technically started in 2018–19. This is because the system tracks your unused caps based on your Australian super history.

You can check your available carry forward concessional contribution amounts by logging into ATO online services and selecting Super, then Information, then Carry forward concessional contributions. Your total super balance must be less than $500,000 at 30 June of the previous financial year to use any carried forward amounts.

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