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Useful numbers. Better decisions still need context.

Calculators can help you explore a question, but they cannot account for your structures, tax position, eligibility, risk tolerance or competing priorities. Use these tools as a starting point, not a recommendation.

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Business calculators

A · Super projection

Super growth

Explore how a starting balance, contributions, time and an assumed return may affect a future balance. Results are illustrative and exclude important variables unless expressly stated.

Current balance $250,000

Extra yearly contribution $10,000

Years 20

Assumed return a year, after fees and tax 6%

6% p.a. assumes a balanced-to-growth investment mix over the long term, after fees and tax. Returns vary and can be negative; a lower return means a lower balance.

These are concessional contributions (salary sacrifice or employer), so take off 15% contributions tax first

Projected balance in today’s dollars

$576,230

In future dollars$1,191,711

Added each year$10,000

Compounding does the heavy lifting. Coffee still counts, though.

Contributions are added at the start of each year, then the year’s return is applied. Future dollars are discounted at 3.7% a year (the default wage-inflation rate in ASIC Instrument 2022/603) to show today’s dollars. Employer super guarantee isn’t added unless you include it in the yearly amount.

General information only. This doesn’t take into account your objectives, financial situation or needs. Rates and caps are illustrative. Figures checked 8 Oct 2026. Consider the relevant PDS and Financial Services Guide, and get advice before acting. Not intended to be relied on for a decision; consider advice from a licensee.

B · Loan repayments

Loan repayment

Estimate principal-and-interest repayments for an assumed loan amount, rate and term. This is not a quote or comparison rate.

Loan amount $450,000

Annual interest 6.5%

Years 25

Monthly repayment

$3,038.43

Total interest$461,530

Total repaid$911,530

Year 1

Interest $29,031 · Principal $7,430

Year 25

Interest $1,252 · Principal $35,209

General information only. The interest rate is illustrative: check current lender rates. Repayments exclude fees, charges and future rate changes. Not a quote, not a comparison rate and not credit assistance. Figures checked 8 Oct 2026.

C · Contribution caps · FY 2026–27

Concessional leftover

Compare entered contributions with the FY 2026–27 general concessional cap of $32,500. Carry-forward and bring-forward rules are not calculated. Source: ATO contributions caps.

Employer SG this year (12% of qualifying earnings) $11,000

Salary sacrifice / personal deductible $10,000

Concessional cap remaining

$11,500

Concessional used$21,000

Annual cap 2026–27$32,500

Over the concessional cap on these numbers. Excess concessional contributions are included in your taxable income and taxed at your marginal rate. Unused carry-forward amounts may cover it. This is not a quote.

Unused concessional cap from the prior five years may apply if total super balance was under $500,000 at 30 June 2026. This tool does not calculate carry-forward; that is personal.

Also in the picture · FY 2026–27

Other caps and limits

Key super figures for 2026–27 from the ATO (general information, checked 8 Oct 2026). Bring-forward and total super balance tests are personal, so we don’t pretend a slider can run them.

Concessional cap	$32,500
Non-concessional cap	$130,000
Super guarantee rate	12%
General transfer balance cap	$2,100,000
Bring-forward: TSB under $1.84m at 30 June 2026	$390,000 over 3 years
Bring-forward: TSB $1.84m to under $1.97m	$260,000 over 2 years
TSB $1.97m to under $2.1m	$130,000, no bring-forward
TSB $2.1m or more	Nil non-concessional cap

Bring-forward is available if you’re under 75 at any time in the financial year. TSB means total super balance.

If the file has more than a cap leftover (entities, an SMSF, a related-party loan), see when a coordinated strategy may help.

When strategy may help Planning

Sources

Where the numbers come from

These calculators are general information only. They are not personal advice, not a quote, and not a forecast. Confirm current figures on the ATO pages linked below. Personal advice requires an engagement.

Concessional cap $32,500 and non-concessional cap $130,000 for 2026–27: ATO contributions caps.
Bring-forward thresholds ($1.84m / $1.97m / $2.1m) and amounts ($390,000 / $260,000): ATO non-concessional contributions cap.
Transfer balance cap $2.1m for 2026–27: ATO transfer balance cap.
Super guarantee 12% (1 July 2026 to 30 June 2027, on qualifying earnings under Payday Super): ATO super guarantee.
Carry-forward unused concessional cap may apply if your total super balance was under $500,000 at 30 June of the prior year. See the ATO concessional contributions cap page. This tool does not calculate carry-forward.
Super growth: FV = B(1+r)ⁿ + C(1+r)[((1+r)ⁿ − 1) ÷ r], contributions at the start of each year, return r after fees and tax (default 6%, adjustable). Today’s dollars = FV ÷ 1.037ⁿ, using the default rate in ASIC Instrument 2022/603. Illustrative, not a forecast.
Loan repayment: M = P × i(1+i)ⁿ ÷ ((1+i)ⁿ − 1), with i = annual rate ÷ 12 and n = years × 12. The default rate is illustrative: check current lender rates. Excludes fees and rate changes. Not a quote or a comparison rate. Conventional home and commercial loans are arranged separately through Money Quest (see Lending).

ASIC: general information only. Personal advice needs an engagement.

Fit

When a coordinated strategy may help

A short checklist, not a score. If several of these apply, bring us the full picture.

✓You own or operate a business.
✓You have an SMSF or are seriously considering one.
✓Your family wealth spans several entities or properties.
✓A lending decision affects your investment or super strategy.
✓Your accounting, lending and advice decisions are moving in different directions.
✓You are approaching retirement, succession, a sale or another major transition.

Numbers are useful. Context is decisive.

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