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SMSFsAs if superannuation wasn’t complex enough, when you have a self-managed superannuation fund (SMSF) you take on considerably more responsibility, and it’s essential therefore to have a comprehensive understanding of the current super and SMSF rules. In this section you will find detailed explanations of the SMSF rules and the responsibilities for SMSF trustees. SMSFs for beginners SMSF administration SMSF checklists SMSF compliance SMSF investment SMSF pensions SMSF strategies SMSF Q & As As a first step, the following are key articles that describe how SMSFs work.
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Super Guide for the 2026-27 financial year

General Newsletter

July 2026

Happy new (financial) year! In this special newsletter we’ve updated all SuperGuide articles covering the key rules, regulations, rates and thresholds for the 2026-27 financial year and highlighted the major changes that take place from 1 July 2026.

Some of the key changes include:

Payday Super commences
Division 296 commences
Higher contributions caps
Indexation of the Transfer Balance Cap

2026-27 SUPER AND PENSION RULES

Superannuation rule changes from July 2026 (and previous years)

Every new super rule change explained: Payday Super, higher contribution caps, the transfer balance cap and Division 296 tax.
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Key superannuation rates and thresholds for 2026-27

A new financial year brings updated thresholds for a range of super measures. Take a look at the new numbers to check for opportunities.
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Division 296 super tax explained (including calculator)

The tax on super balances over $3 million is now law. Find out what it means and calculate your liability with our Division 296 calculator.
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What Payday Super means for you

Your employer is now required to pay your super at the same time as your wages.
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2026-27 SUPER CONTRIBUTIONS GUIDES

Concessional super contributions guide (2026–27)

Want to get more from your super? Start by understanding concessional contributions, the biggest and most tax-effective source of super savings.
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Non-concessional super contributions guide (2026–27)

Making a personal contribution into your super can be a great way to boost your retirement nest egg and enjoy the benefits of the super system.
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Minimum pension drawdown rates (2026–27) and calculator

Age-based minimum annual withdrawal rates apply to account-based pensions. Here’s how they are calculated.
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Transfer balance cap (TBC) for super pensions: How it works

The transfer balance cap limits the amount of your super savings you can invest in a tax-free pension for retirement.
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How is my Total Superannuation Balance (TSB) calculated?

Your total super balance determines whether you can use a range of valuable super measures. Learn how it works and what you could be eligible for.
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INCOME TAX

Australian income tax brackets and rates (2026-27 and previous years)

See every Australian income tax bracket and rate for 2026-27. Clear tables, plain-English explanation, and previous years for comparison.
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Income tax calculator (2026–27 and previous years)

Enter your taxable income and the calculator will show your total tax, marginal tax rate and your effective tax rate.
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AGE PENSION CHANGES

Age Pension calculator (September 2026 update)

Our Age Pension calculator gives you an estimate of your potential Age Pension entitlements based on your situation, assets and income.
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Age Pension income test rules (from September 2026)

A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”.
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Age Pension assets test rules (from September 2026)

Age Pension assets test limits change three times a year, but your family home is never counted. Check the latest limits and what else is included.
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Deeming rates and calculator for the Age Pension income test

Current deeming rates and thresholds for the Age Pension income test. See exactly how your assets are assessed.
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Important

All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.

SuperGuide is Australia’s leading superannuation and retirement planning website.

SuperGuide Pty Ltd ATF SuperGuide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.