🔐Coming soon

Super Optimiser

Every dollar of super working correctly.

Concessional vs non-concessional, carry-forward rules, Division 293, spouse splitting and retirement bridge planning — the super decisions most Australians never make because nobody explained them.

Concessional cap left

$8,725

of $32,500 cap FY26-27

Carry-forward available

$31,400

Unused caps 3 prior years

Tax saving available

$8,580

This FY if fully used

Projected at 60

$1.84M

At 7.5%/yr assumption

The problem

Australian superannuation has more optimisation levers than almost any other financial system — carry-forward caps, spouse contribution splitting, the government co-contribution, Division 293, and the non-concessional bring-forward rule. Most Australians use none of them, because super fund websites don't explain them and financial planners charge $3,000 to.

✕Super fund member portals show balance and contributions. They never show you the $8,580 in tax savings available this FY through carry-forward concessional contributions.

✕Division 293 is applied to thousands of Australians who don't know it exists — meaning super is being taxed at 30% when they thought it was 15%.

✕Consolidation is the simplest money anyone can leave on the table. Multiple funds mean multiple fee structures. Super Optimiser quantifies the exact annual cost of inaction.

What it will do

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Carry-forward calculator

Shows unused concessional cap from prior 5 years and the tax saving available this FY.

⚠️

Division 293 alert

Flags income approaching $250k threshold and models the reduced super advantage.

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Spouse contribution splitting

Calculates tax saving from splitting contributions to a lower-income partner.

🏦

Fund consolidation modeller

Exact annual fee savings from consolidating multiple super accounts.

🌉

Retirement bridge planner

How to fund the gap between retirement and preservation age — without penalty.

Future workflow

01

Declare income & super balance

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02

Enter employer contributions

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03

Review available caps

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04

Select optimisation actions

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05

Track FY progress

Stop leaving super optimisation to chance

Thousands of Australians overpay tax every year because nobody told them about carry-forward caps.

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Educational scenario modelling only · Not financial advice · Australia