# SMSF Tools Canonical URL: https://superinformed.com.au/smsf-tools Markdown URL: https://superinformed.com.au/llms-pages/smsf-tools.md Section: SMSF Tools Last modified: 2026-04-01 Review focus: General SMSF guidance for Australian trustees. Summary: Quick-reference tools for self-managed super fund trustees, including compliance dates, contribution caps, rules, limits, and glossary resources. Editorial note: Super Informed content is general information for Australian SMSF trustees. It is not personal financial advice, tax advice, or legal advice. Author/editor: Sam Corrie, Editor, Super Informed, Adelaide SA Editorial method: Primary-source review of ATO, ASIC, Treasury, legislation, regulator announcements, explanatory material, and official guidance where available. Independence: Super Informed is an independent editorial project. It is not affiliated with, endorsed by, or written on behalf of any employer, bank, super fund, product issuer, adviser, accountant, or regulator. Corrections: Corrections and clarifications can be sent to sam@superinformed.com.au. Material corrections are reflected in the article and updated date where appropriate. Scope: General information only. Not personal financial advice, tax advice, or legal advice. ## Source Base - [Australian Taxation Office SMSF guidance](https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf) - [ATO key superannuation rates and thresholds](https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds) - [ATO SMSF administration and reporting](https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf/administering-and-reporting) - [ATO SMSF regulation and compliance](https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf/smsf-regulation-and-compliance) - [ASIC Moneysmart SMSF guidance](https://moneysmart.gov.au/how-super-works/self-managed-super-fund-smsf) ## Page Content Extract Home › SMSF Tools # SMSF Tools Quick-reference resources for Australian self-managed super fund trustees. Dates, caps, rules, and definitions in one place. Bookmark what you use regularly and return when you need to check a number or deadline. Tools 6 references Current FY2025-26 Open No sign-up required Want deeper reading on any topic? Browse the Guides page - 8 topic guides for self-managed super fund trustees -> Compliance Calendar Every key date for FY2025-26 and FY2026-27 Lodgement deadlines, contribution windows, pension drawdown obligations, and ATO reporting dates for both the current and upcoming financial year. Updated annually as ATO guidance is released. What's covered - Annual return and audit lodgement dates - TBAR reporting obligations - Contribution closing dates by type - Minimum pension drawdown windows - BAS and quarterly obligations View calendar -> Updated April 2026 Contribution Caps Hub Caps, thresholds, and eligibility for FY2025-26 Concessional and non-concessional caps, bring-forward tiers, carry-forward rules, downsizer eligibility, and TSB thresholds. All current figures in plain English with worked examples. What's covered - Concessional cap: $30k (FY2025-26) - Non-concessional cap and bring-forward tiers - Carry-forward unused concessional amounts - Total super balance eligibility thresholds - Downsizer contribution rules and limits View caps hub -> Updated April 2026 Rules & Limits Reference The core rules every SMSF trustee must know Trustee obligations, investment restrictions, pension rules, property limitations, audit requirements, and ATO compliance powers. A single-page reference to come back to when you need to check a rule quickly. What's covered - Trustee eligibility and disqualification rules - Sole purpose test and in-house asset limits - Related party investment restrictions - Pension payment minimums - ATO enforcement powers and penalties View reference -> Updated April 2026 SMSF Glossary 146 key terms explained From account-based pension to work test, 146 terms a trustee needs to understand - with real-world context and A-Z navigation. What's covered - 146 SMSF-specific terms - A-Z navigation for fast lookup - Plain-English definitions throughout - Real-world context for each term - Covers ATO, SIS Act, and pension terminology View glossary -> Updated May 2026 Annual Contribution Planner Calculate your full contribution position for FY2025-26 Enter your age, total super balance, and year-to-date contributions. The planner calculates remaining cap room, bring-forward eligibility, carry-forward capacity, and key threshold flags. What's covered - Concessional cap room and carry-forward - Non-concessional cap and bring-forward tiers - Prior bring-forward arrangement tracking - Small business CGT cap (advanced) - Downsizer contribution eligibility (advanced) Open planner -> Updated April 2026 Pension & Retirement Phase Planner Estimate drawdowns, TBC space, projections, and pension tax treatment Enter your balances, pension status, transfer balance cap figures, and earnings assumption. The planner calculates your current year minimum, remaining TBC space, a 10-year drawdown projection, and key retirement phase flags. What's covered - Minimum pension drawdown and TRIS maximum - Transfer balance cap position - 10-year pension balance projection - Pension phase versus accumulation tax comparison - Division 296 flag for high balances Open planner -> Updated May 2026 Keeping these tools current: Contribution caps, transfer balance caps, and key thresholds are indexed periodically by the ATO. All figures on these pages reflect the current financial year. When changes are announced, the relevant pages are updated and the weekly newsletter covers what changed and what it means for your fund. ## Stay up to date every week SMSF guides, tools, and weekly updates made for Australian trustees. No advice. Subscribe free All tools on this page are published by Super Informed for educational and informational purposes only. They do not constitute financial, legal, or taxation advice. The information is general in nature and does not take into account your individual circumstances, objectives, financial situation, or needs. Always consult a licensed financial adviser, SMSF specialist, or registered tax agent before making decisions about your fund. Super Informed | superinformed.com.au | Page last updated April 2026