Superannuation Guides
Plain-language guides to help you understand how super works in Australia, from contribution caps to retirement access rules.
Rates & Rules
Super Guarantee Rate 2025–26
Complete history of the SG rate, current employer obligations, and what it means for your super.
5 min read
Contributions
Salary Sacrifice Into Super
How salary sacrifice works, tax benefits, HELP/HECS implications, and contribution cap rules.
7 min read
Rates & Rules
Division 293 Tax Explained
Who pays the extra 15% tax on super contributions, how the threshold works, and how to check.
5 min read
Contributions
Super Contribution Caps 2025–26
Concessional and non-concessional caps, bring-forward rule, and what happens if you exceed them.
6 min read
Contributions
Carry-Forward Super Contributions
How to use unused concessional cap space from the last 5 years to catch up on super.
6 min read
Retirement
When Can I Access My Super?
Preservation age by birth year, conditions of release, and early access rules.
5 min read
Upcoming Changes
Payday Super 2026
What payday super means for employers and workers, the timeline, and how to prepare.
4 min read
Contributions
Bring-Forward Super Contributions
The 3-year bring-forward rule for non-concessional contributions, TSB thresholds, and examples.
5 min read