What You Get
Annual contribution planner — enter your income, see recommended contribution amounts (7%, 10%)
Tax saving estimate — shows how much you save at 15% super tax vs your marginal income tax rate
Concessional cap pre-loaded ($30,000 for FY2025-26) with ATO cap reminder
Monthly contribution tracker — log each payment with fund name, reference, date and type
YTD running total auto-calculated each month
Annual total vs concessional cap comparison
Who It’s For
Built for sole traders.
All sole traders and self-employed Australians who want to take control of their retirement savings, maximise their tax deductions, and avoid accidentally exceeding ATO super caps.
important
ATO / Compliance Note
Sole traders can claim a tax deduction for personal super contributions under Section 290-170 of the ITAA 1997 — by lodging a Notice of Intent to Claim with their super fund before lodging their tax return. The concessional cap for 2025- 26 is $30,000. Contributions above this cap are taxed at your marginal rate.
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Frequently asked questions
Common questions
Can I claim a tax deduction for super contributions as a sole trader?
Yes. Unlike employees, sole traders can claim personal super contributions as a tax deduction, as long as you lodge a Notice of Intent to Claim with your super fund before submitting your tax return. Sole App’s Super Tracking feature helps you log contributions ready for this process.
What is the concessional cap for 2025-26?
$30,000. Contributions above this cap are included in your assessable income and taxed at your marginal rate (with a 15% offset). The non concessional cap is $120,000 (or $360,000 bring-forward).
What’s the difference between concessional and non-concessional contributions?
Concessional contributions are tax-deductible (pre-tax), employer contributions and personal contributions you claim a deduction for. Nonconcessional are after-tax contributions you don’t claim a deduction for.