Author: KaraATO(Community Support)Community Support 2 June 2026
Hi @super-nova,
What @TaxTalk1234 has said is correct.
When you make a large personal contribution to use your carry forward concessional contributions, you just need to submit a notice of intent to claim a deduction as per the standard process. There's nothing additional you need to do to access the carry forward amounts.
The carry forward amounts are applied automatically once you exceed the standard cap in any year. The system will automatically use your available carry forward amounts from the oldest year first to cover the excess.
All concessional contributions (including the carry forward amounts you use) will be taxed at 15% by your super fund. This applies even when your personal contribution exceeds the current year cap, as long as you're still within your total available cap including carry forward amounts.
The key requirement is that your total super balance must have been less than $500,000 at 30 June of the previous financial year. You can check your available carry forward amounts in your ATO online services by selecting Super > Information > Carry forward concessional contributions.
Make sure you give your notice of intent to claim a deduction to your super fund within the required timeframes. Your fund needs to receive and acknowledge this notice before you can claim the deduction in your tax return.
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