Super rates and thresholds 2026-27 

Following the release of the latest average wages data for the December 2025 quarter, FirstTech have calculated the super rates and thresholds for 2026-27.

  • Concessional & non-concessional contribution caps increase to $32,500 & $130,000
     
  • Non-concessional cap (inc. bring forward rule) – TSB thresholds increase
     
  • Following the recent release of the December quarter CPI figures, the General Transfer Balance cap is set to increase from $2.0m to $2.1m on 1 July 2026.
     
  • Maximum contribution base increases from $250,000 ($62,500 per quarter) to $270,830.

Access our ‘Super rates & thresholds for 2026-27‘ for super contributions, super benefits and employment termination payment thresholds.

Centrelink rates to increase from 20 March 2026

The Government has announced that social security deeming rates will increase from 20 March 2026.

This is the second increase in deeming rates since 2020, as rates have been frozen at historically low levels.

From 20 March 2026, deeming rates will increase by 0.5% to:

  • Lower deeming rate:  1.25% p.a. (previously 0.75% p.a.)
     
  • Upper deeming rate:  3.25% p.a. (previously 2.75% p.a.)

The lower deeming rate threshold is $64,200 for singles and $106,200 for couples combined.

Should you require further clarification, please contact your trusted financial adviser on
03 9788 5788.

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what our clients say

As a self employed single woman it has been important that my finances be well looked after. Although my superannuation is not very high, Priy has met with me every year and has diligently and painstakingly taken the time to explain suggested changes that will benefit me. Apart from this he is obviously keeping up to date with everything, as suggested changes are made throughout the year. When, for health reasons, I retired a couple of years ago, Priy spent a great deal of time with me "revamping" my fund to lower risk and transferring it to a tax free fund. Now as I approach 65, Priy is again taking the time to advise me how to best deal with Centrelink and make my money last the remainder of my life. It is obvious that Priy is enthusiastic and passionate about his work, and a great comfort to me to know that I am in good hands.
Sue Lay
Mark Dunsford has assisted us in the construction of the Maddocks Group Salary Continuance and Group Life & TPD insurance. In addition, Mark assists many of our Partners in a personal capacity. We have found Mark's service to be of an excellent standard. His service is specific and relevant to the needs of our business. Our policies and options are clearly explained in respect of what is and what isn't covered. All claims have been dealt with efficiency and effectively. Nothing is too much trouble or too difficult when we speak to Mark about our insurance needs. I highly recommend Mark as an insurance broker.
David RennickCEO Maddocks Law Firm
We would like to thank Priy Wijesekera for his help with our financial situation. He has been handling our account for the past few years and we have been very happy with the results. In particular over the last 6 months which have been very difficult due to sickness and early retirement. His help and advice have been outstanding and despite our situation constantly changing, he has been of immense help, patient and never made us feel rushed or annoying. The final results have been excellent and put us exactly where we wanted to be in our retirement moving forward. Once again Priy, thank you
Pat & Derek Rowe
I just want to write to say thank you for all that you have done for me in putting in place and then managing my various insurances including income cover and cover in respect of particular events or illnesses known as trauma insurance. As a busy lawyer, I often find that I, and I am sure other lawyers tend to attend to other people’s business and affairs more diligently than we attend to my own. In this regard, I am very thankful that you were (and still are) attending to my insurance related affairs.
Terry MontebelloPartner Maddocks Lawyers
Mark has been very helpful and efficient over the years and has looked after our interests well. When my wife was diagnosed with breast cancer, he did his best to help us try and recover under our trauma cover (even though the diagnosis was made just within the 90 day no claim period). When, after a long illness, my wife died, Mark dealt with the claim under her life policy and quickly arranged for payment to be made by the insurer. Being properly insured has meant that I have had peace of mind from a financial perspective. Mark's team has also been most helpful in advising me on my investment and superannuation plans.
Jonathan Ambler
Over the past 5 years, I’ve had two major, but unrelated, health issues. On both occasions, Mark and the team at Dunsford Financial Planning were fantastic – not lonely did I receive trauma payments promptly and with a minimum of fuss, but Mark personally ensured that I received the maximum possible payment. In all my dealings with Dunsford Financial Planning, I have been impressed with their knowledge, professionalism and care.
Guy O’Connor Property Practice Group, Maddocks
I just wanted to send you a big thank you for how well you support my mum. She thinks very highly of you, and you've really been a big support through this stressful time. You have a knack for keeping her feeling ok about things, I honestly can't thank you enough.
Zoe
Mark Dunsford and Dunsford Financial Planning have made a huge financial support to the local sporting organisations such as, Frankston Cricket Club, Frankston Peninsula Premier Cricket Club, Pines Cricket Club, Pines Football & Netball Club and Frankston VFL Football Club. His constant and ongoing financial support have significantly impacted the broader Frankston community for long over two decades. Dunsford Financial Planning's unwavering commitment to these organisations has provided invaluable resources and opportunities for the next generation of aspiring athletes across a multiple of different sporting clubs. The generosity and support shown by Mark and the team at Dunsfords should be commended and they should be really proud around their commitment to the Frankston region. I personally live in the region now and amazed at the quality of the sporting infrastructure, sporting clubs rely heavily on support shown by Mark and the team at Dunsfords. They should be proud of the contribution they have made to the region for a long period of time.
Brett EddyBusiness Development Manager - Platform/Investments - Colonial First State
My husband Bruce and I have been clients of Daniel Baschera for 8 years now. Daniel has provided us with sound financial advice of which we are truly grateful for. Daniel also recommended us to set up insurances to protect us in the event of a significant illness or injury. We took on Daniel's advice and set these up and I am so pleased we did. Earlier this year I was diagnosed with breast cancer and I faced a number of medical procedures and I continue to have treatment. I was extremely worried about the financial impact this would have on us. I phoned Daniel and he took care of everything and made a claim for us under our insurance policy. He kept me updated and I was pleased that my claim was approved and I did not need to worry about the financial impact whilst dealing with significant health issues. Luke Caspersz who works with Daniel is also absolutely outstanding in terms of his communication and support. We are truly grateful to be clients of Daniel's he is professional, honest and incredibly supportive and I cannot thank him and Luke enough I am truly grateful for everything they have done for us.
Samantha & Bruce Vivian