Superannuation Guides Australia — SG Rate, Contributions, Retirement
Super strategies that actually move the needle — not just generic advice.
Carry-Forward Concessional Contributions: How Unused Cap Space Works
Unused concessional cap rolls forward 5 years if your super balance is under $500K. Here's how to use it — with a worked example catching up $85K in one year.
Your FIRE Number in Australia [2026]
How much do you actually need to retire early in Australia? We break down the FIRE formula, super preservation gap, and real numbers by spending level.
Super Contribution Caps 2025-26: What Changed and How to Maximise Before EOFY
The 2025-26 super contribution caps have increased. Here's what changed, how carry-forward works, and strategies to maximise before June 30.
FHSS Scheme 2026: Save Faster for Your First Home
The First Home Super Saver scheme lets you save your deposit through super and pay less tax. $15K/year cap, $50K total. Here's how it works.
Super Contribution Caps Rising July 2026: What It Means for Your Retirement
From July 1, 2026, the concessional super cap rises to $32,500 and the non-concessional cap to $130,000. Here's what's changing, the new transfer balance cap, and strategies to maximise your retirement savings before and after the increase.
How Much Do I Need to Retire in Australia? 2026 Retirement Savings Targets
Calculate how much money you need to retire comfortably in Australia. Covers ASFA retirement standards, Age Pension eligibility, super targets by age, and closing the gap.
Am I Saving Enough for Retirement? Super Adequacy Check for Australians
Find out if your super and savings are on track for retirement. Includes super adequacy benchmarks, gap analysis, and practical strategies to boost your retirement savings.
Financial Health Check at 50: Are You Ready for Retirement?
How much super, savings, and net worth should you've at 50 in Australia? ASFA benchmarks, retirement readiness check, and strategies to close any gap before retirement.
Financial Health Check Before Retirement: Are You Ready to Stop Working?
Planning to retire soon? Use this financial health check to assess whether your super, savings, and income streams are enough to fund a comfortable Australian retirement.
Super Contribution Caps 2026-27: New Limits from 1 July
Super contribution caps are increasing from 1 July 2026: concessional cap to $32,500, non-concessional to $130,000, and bring-forward to $390,000. Here's the full breakdown including catch-up contributions, Division 293, and end-of-financial-year strategies.
Extra Into Super or Mortgage? Which Saves You More in 2026
$500/mo extra into super vs mortgage: one saves $180K in tax, the other $95K in interest. We run the 2026 numbers to help you decide.
Salary Sacrifice into Super: How to Save Tax & Boost Retirement
$10K salary sacrificed saves ~$2,000 in tax on an $85K salary. How super salary sacrifice works, the $30K cap, worked examples, and pitfalls.
How Much Do You Need to Retire in Australia? The Real Numbers
The ASFA Retirement Standard says you need $690,000 in super (single) or $1,000,000 (couple) for a comfortable retirement at 67. We break down the real numbers, Age Pension supplements, downsizer contributions, and what 'comfortable' actually means.
Salary Sacrifice into Super: How It Works & How Much You Save (2025-26)
Learn how salary sacrificing into superannuation works in Australia. Calculate your tax savings, understand the contribution caps, and see if it's worth it for your income level.
Downsizer Super Contribution: The Complete Guide
The downsizer contribution lets Australians 55+ contribute up to $300,000 per person ($600K per couple) to super from a home sale. We cover eligibility, the 90-day deadline, tax savings, and Age Pension implications with worked examples.
Can You Access Super Early? Conditions of Release Explained (Australia)
Up to $10,000 per year under financial hardship rules. When you can legally access super early: hardship, compassionate grounds, and illness.
Super Guarantee Rate 2025-26: What 12% Means for Your Retirement Savings
The super guarantee hit 12% on 1 July 2025. Here's what that means in dollar terms at every salary level, how compound growth turns the rate increase into tens of thousands extra at retirement, and the practical steps to make sure you're not leaving money on the table.
Super for Self-Employed & Sole Traders: Your Complete Guide
No employer super means $0 going in unless you do it yourself. Claim a full tax deduction on up to $30K/yr in contributions. Here's how.
How to Choose a Super Fund in Australia: What Actually Matters
Fees of 0.5% vs 1.5% = $100,000+ difference over 30 years. How to compare super funds on fees, returns, insurance, and investment options.
Downsizer Contribution to Super 2026: Put $300K Per Person Tax-Free
How the downsizer contribution works in 2026. Eligible Australians aged 55+ can contribute up to $300,000 per person ($600K per couple) to super from the sale of their home, tax-free.
Division 293 Tax Explained: Extra Super Tax for High Income Earners
Extra 15% tax on super above $250,000 combined income. Division 293 could cost you $4,500 on a $30K contribution. How it works and what to do.
$3 Million Super Tax (Division 296) from July 2026: Who's Affected & What to Do
From July 1, 2026, super balances over $3 million face an additional 15% tax on earnings. Here's how Division 296 works, who's affected, whether unrealised gains are taxed, and strategies to consider.
Super Co-Contribution Explained: Get Up to $500 Free from the Government
Earn under $60,400? Put in $1,000 after tax and the government adds up to $500 free. How the super co-contribution scheme works.
Salary Sacrifice Into Super: How It Works & How Much You Save
Save $3,000-$6,000/yr in tax by salary sacrificing into super. $30K concessional cap, how to set it up, and whether it suits your situation.
How Much Super Should I Have at 30, 40, 50? Average Super Balance by Age
Compare your superannuation balance to the Australian average by age. See benchmarks for 30, 40, 50, and 60 year olds, plus strategies to catch up if you're behind.
How Much Super Do I Need to Retire Comfortably in Australia?
$595K for singles, $690K for couples. That's ASFA's comfortable retirement target. Real numbers by age, lifestyle, and Age Pension impact.
Super Contribution Caps 2026-27: Maximise Your Super Before June 30
Superannuation contribution caps are changing from July 1, 2026. Here's the new concessional and non-concessional limits, how carry-forward works, and EOFY strategies to boost your retirement savings.
Super Guarantee Rate 2025-26: What 12% SG Means for Your Pay
12% of your salary = $8,400 on $70K or $12,000 on $100K. How the super guarantee rate affects your pay, employer obligations, and retirement.