Author: KaraATO(Community Support)Community Support 14 Aug 2025
Hey @Max.M,
You can carry forward unused cap amounts from up to 5 previous financial years, including when you were not a member of a super fund.
Unused cap amounts are available for 5 years and expire after this, meaning a 2019-20 unused cap amount that is not used by the end of 2024-25 will expire.
The oldest available unused cap amounts are carried forward first. For example, unused amounts from 2019-20 would be used to increase your cap first before unused cap amounts from 2020-21.
Unused concessional cap amounts are applied automatically once you exceed the cap in any year.
Timing does matter, as it’s based on when your super fund receives the contribution, not when you initiate or request the payment.
If you believe the contribution was received before 30 June 2025 and there’s a mismatch in reporting, I’d recommend contacting our super team directly so they can look into it further.
Also, regarding your MyGov account, the carry-forward system only displays the last five financial years, so the 2019-20 period would have dropped off by now. That’s likely why you can’t see it there. It may still be visible in your super fund’s transaction history, so I’d suggest checking there as well.
Author: Max.M(Newbie)Newbie 14 Aug 2025
Thanks Kara,
I just had a phone call and fond out I need to focus on "Unused concessional contributions available to carry forward", and don't expect the "Unused concessional contributions cap" of older years become ZERO because of/ after the salary sacrifice contributions.
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