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Calculators & Planning Tools

Practical tools for SMSF trustees and anyone considering self managed super. Explore the numbers at your own pace, completely free.

Free SMSF calculators that run entirely in your browser. Nothing is stored or submitted. Choose a specific tool under “Browse by Tool”, or scroll to explore all of them below.

Browse by tool

SMSF Fit Quiz

Contributions Calculator Beta

Estimate your remaining concessional and non-concessional cap space for FY2026-27, including bring-forward entitlement based on your Total Super Balance. Read our FY2026-27 contributions guide for a full breakdown.

FY2026-27 Contributions

Includes employer contributions (super guarantee & salary sacrifice) + personal concessional contributions

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Affects NCC cap & the ‘bring-forward’ arrangement.

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Only available if TSB recorded above is less than $500,000

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Your FY2026-27 Contribution Summary*
Concessional Cap (FY2027)$32,500
CC Made This FY$0
Remaining CC Cap$32,500
Carry-Forward CC Available$0
Total CC You Can Still Make$32,500
Your TSB$500,000
NCC Cap (based on TSB)$130,000
Bring-Forward Entitlement$390,000 (3 yrs)
NCC Made This FY$0
Remaining NCC Cap$130,000

* These results are based on your inputs and may not be accurate. Please refer to the ATO website ↗ for further information and check with your personal tax accountant prior to making contributions.

Minimum Pension Calculator Beta

Estimate the minimum pension drawdown required from your SMSF pension account this financial year, based on your age and account balance.

Minimum Pension Drawdown

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Payments must be paid as cash.

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Minimum Annual Pension

$25,000
per year (gross)
Remaining to draw: $25,000
Breakdown
Pension Balance$500,000
Drawdown Factor4%
Annual Minimum Pension*$25,000
Proportion of Year100%
Pro-Rated Minimum (This FY)*$25,000
Payments Made This FY$0
Remaining to Draw by 30 June 2027$25,000

Important: Failure to draw the minimum pension by 30 June can have significant tax consequences for the fund. Contact us if you are unsure.

* These results are based on your inputs and may not be accurate. Amounts rounded to the nearest $10. Please refer to the ATO website ↗ for further information and check with your SMSF accountant or super fund provider regarding your pension obligations.

Division 296 Tax Impact Checker Beta

Check whether your super balance may be affected by the Division 296 tax, which applies an additional 15% tax on earnings above a $3 million super balance threshold.

Division 296 Checker

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Division 296 Status

Checking...
Enter your balance above
Estimated additional annual tax: $0
Your Division 296 Summary
Est. Total Super Earnings$0
Proportion of TSB Above $3M0.00%
Taxable Earnings (above $3M)$0
Tax at 15%$0
Proportion of TSB Above $10M0.00%
Additional Taxable Earnings (above $10M)$0
Additional Tax at 10%$0
Est. Total Annual Div 296 Tax$0

Applies from 1 July 2026. Based on ATO proportional formula using estimated earnings. Balances above $10M attract an additional 10% tier. Actual tax depends on earnings reported by your fund. Seek specialist advice if your balance is near or above $3M.

Your numbers are a starting point.

Every SMSF situation is different. Book a free consultation with Henri to talk through what your results mean for your specific circumstances with no obligation.

Book a consultation with Henri Sackley, SMSF Specialist