Skip to content

Trustee Reference Tools

SMSF Tools

Quick-reference resources for Australian self-managed super fund trustees. Check key dates, contribution caps, rules, definitions, and planning calculations without digging through regulator pages.

Tools 6 tools
Current FY2026-27
Open No sign-up required

How to use these SMSF tools

Reviewed August 2026. This hub is current for FY2026-27 where contribution caps, thresholds, pension figures, compliance dates, or ATO settings are referenced.

The SMSF tools hub brings together reference pages, calendars, planners, and plain-English lookup resources for Australian trustees. It is intended to help you check a rule, date, cap, or planning input before you speak with your accountant, auditor, adviser, or administrator.

Use the SMSF Guides hub when a tool result needs deeper context. For example, use contribution tools alongside the SMSF Contribution Strategies Guide, and use the pension planner alongside the SMSF Pension Guide.

Reference Tools

Use these tools when you need to check a date, cap, rule, definition, or compliance setting before reviewing a transaction or preparing SMSF records.

Compliance Calendar
Every key date for FY2026-27

Lodgement deadlines, contribution windows, pension drawdown obligations, Payday Super timing, and ATO reporting dates for the current financial year. Updated as ATO guidance is released.

Use this when: you are preparing year-end SMSF records, checking whether a contribution or pension payment needs action before 30 June, or planning work around annual return and audit timing.

What's covered
  • Annual return and audit lodgement dates
  • TBAR reporting obligations
  • Contribution closing dates
  • Pension drawdown windows
View calendar → Updated July 2026
Contribution Caps Hub
Caps, thresholds, and eligibility for FY2026-27

Concessional and non-concessional caps, bring-forward tiers, carry-forward rules, downsizer eligibility, and total super balance thresholds. All current figures are set out in plain English with worked examples.

Use this when: a member is making personal, employer, spouse, downsizer, carry-forward, or bring-forward contributions and you need to check the cap before money enters the fund.

What's covered
  • Concessional cap: $32,500 (FY2026-27)
  • Non-concessional cap: $130,000
  • Bring-forward maximum: $390,000
  • Carry-forward unused concessional amounts
  • TSB eligibility thresholds
View caps hub → Updated July 2026
Rules & Limits Reference
The core rules every SMSF trustee must know

Trustee obligations, investment restrictions, pension rules, property limitations, audit requirements, ATO compliance powers, and key SMSF penalty settings. A single-page reference for checking a rule quickly.

Use this when: a transaction, asset, pension setting, trustee change, or audit request raises a rule question and you need the relevant SMSF limit or compliance concept in one place.

What's covered
  • Trustee eligibility and disqualification rules
  • Sole purpose test and in-house asset limits
  • Related party investment restrictions
  • Pension payment minimums
View reference → Updated July 2026
SMSF Glossary
146 key terms explained

From account-based pension to work test, 146 terms an SMSF trustee may encounter in ATO guidance, trust deeds, audit requests, contribution planning, pension documents, and estate planning material.

Use this when: a technical term is blocking the next step and you want a plain-English explanation before reading the related guide, regulator page, or fund document.

What's covered
  • 146 SMSF-specific terms
  • A-Z navigation for fast lookup
  • Plain-English definitions throughout
  • ATO, SIS Act, and pension terminology
View glossary → Updated July 2026

Planning Tools

Use these calculators to model common SMSF planning scenarios at a high level. They are general information tools, not personal recommendations.

Annual Contribution Planner
Calculate your full contribution position for FY2026-27

Enter age, total super balance, year-to-date contributions, unused concessional amounts, and bring-forward details. The planner estimates remaining cap room, bring-forward eligibility, carry-forward capacity, and key threshold flags.

Use this when: comparing contribution timing before 30 June, checking whether a member may trigger a bring-forward period, or identifying questions to raise with a tax agent or adviser.

What's covered
  • Concessional cap room and carry-forward
  • Non-concessional cap and bring-forward tiers
  • Bring-forward arrangement tracking
Open planner → Updated July 2026
Pension & Retirement Phase Planner
Estimate drawdowns, TBC space, projections, and pension tax treatment

Enter balances, pension status, transfer balance cap figures, age, and an earnings assumption. The planner estimates the current-year minimum, remaining TBC space, a 10-year drawdown projection, and key retirement phase flags.

Use this when: checking minimum pension payments, modelling retirement phase cash flow, or reviewing transfer balance cap room before pension documents are prepared.

What's covered
  • Minimum pension drawdown and TRIS maximum
  • Transfer balance cap position
  • 10-year pension balance projection
  • Pension vs accumulation tax comparison
Open planner → Updated July 2026

Need help using these SMSF tools?

Quick answers for choosing a tool, understanding calculator limits, and checking how current the figures are.

Which SMSF tool should I use first?

For key dates, start with the SMSF Compliance Calendar. For contribution planning, use the SMSF Contribution Caps page before the Annual Contribution Planner. For pension phase questions, use the SMSF Pension and Retirement Phase Planner together with the SMSF Pension Guide.

Are these official ATO calculators?

No. These are independent Super Informed tools built for general information. They help trustees understand common SMSF rules, dates, caps, and planning concepts, but they do not replace ATO guidance, a registered tax agent, an SMSF auditor, or licensed financial advice.

Do the SMSF calculators store what I enter?

The contribution planner and pension planner run in your browser. The inputs you type into the calculators are not saved to Super Informed servers by the calculator.

How current are the SMSF tools?

The hub and linked tools are reviewed when key ATO rates, contribution caps, pension drawdown rates, transfer balance cap settings, and SMSF compliance dates change. Each individual tool shows its own review or update context.

Stay up to date every week

SMSF guides, tools, and weekly updates made for Australian trustees. No advice.

Subscribe free