Superannuation Tracker - Annual Contribution Planner for Sole Traders

Free Superannuation Tracker for Sole Traders – Plan Your Super, Reduce
Your Tax

As a sole trader, no employer pays super for you – and that means you can
either build wealth strategically or arrive at retirement unprepared. This free
superannuation tracker for sole traders helps you plan your annual
contributions, understand the tax benefit, and track what you’ve actually paid
into your fund each month. FY2025-26 figures included.

Sign up to webapp

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 :

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.

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.

Download Free Super Tracker


FAQ :

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.