The contribution caps went up on 1 July, giving you more room to build super than most people realise. Here's how the two caps work in 2026–27, the catch-up rules that favour people in their 40s and 50s, and what really happens if you go over.
Salary sacrifice sounds like something for high flyers with accountants, but it's simply redirecting part of your pre-tax pay into super — and between 45 and 60 it does its best work. Here's how the tax saving actually works in 2026–27, how much you're allowed to put in, and how to set it up.
If you feel you've missed the boat on super, the arithmetic says otherwise: peak earnings, catch-up contribution rules and decades of compounding still ahead make your 50s the most powerful saving decade. Here's how the 2026-27 caps and carry-forward rules work for late starters.
The scary headline numbers about retirement savings usually ignore the Age Pension and your actual spending. Here's how to work out what a comfortable retirement really costs — and what your super needs to look like to fund it.
Somewhere around 50 the question turns up: am I actually on track for retirement? Here's a 20-minute check-up you can do tonight with your last super statement and a calculator - a target, a starting point, a rough projection, and the levers that still work in your 50s.
