Super Made Simple 8th Edition Ebook

Noel Whittaker AM — Australia's most trusted personal finance author. Over 1 million books sold across 30+ years of bestsellers, and a regular voice in the AFR, The Australian and ABC.

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Make Australia's superannuation system work tirelessly to your advantage with this essential guide to saving, structuring and financially thriving in retirement.

Imagine living in a country with 15% income tax, no Medicare levy, and capital gains tax at just 10% — you'd be tempted to move there. But you don't have to, because it's possible in your own postcode. It's called Australia's superannuation system.

What you'll learn:

• How to make the most of the 2026–27 contribution caps — $32,500 concessional and $130,000 non‑concessional — including carry‑forward and bring‑forward rules
• Tax strategies inside super — pay 15% instead of your marginal rate, and cut your CGT bill
• How to structure super for a tax‑effective retirement income stream, and what the $2.1 million transfer balance cap really means
• When and how to access your super completely tax‑free
• The revised $3 million super tax (Division 296) explained in plain English — who it affects and who it doesn't
• How super is taxed when you pass it on — and how to minimise that
• Salary sacrifice, spouse splitting, the government co‑contribution, TTR pensions, SMSFs and more

What's new in the 8th Edition (August 2026): every figure has been updated for the 2026–27 financial year — the indexed contribution caps that took effect 1 July 2026, the $2.1 million transfer balance cap, current pension thresholds and the 2021–2023 life expectancy tables — plus a rewritten chapter on the revised $3 million super tax, now based on realised earnings with indexed thresholds.

In Noel Whittaker's easy‑to‑follow style, you'll discover how to use your super to provide great comfort in retirement and minimise tax while you work. You might even start to love your super.

Please note, this is the Ebook version of Super Made Simple. If you want to order the printed version, click here.

📖 Read a free sample chapter

Taxes on Super — Is superannuation really taxed three times? Can you claim a tax deduction on contributions before June 30? What's the $3 million super tax and does it affect you? Noel answers all of this — and explains salary sacrifice and cutting your CGT bill with super — in plain English.

⬇ Download the free sample chapter (PDF)

When you order this ebook, you can download at checkout and will also be sent an email with a download link for 2 files — a PDF version which is easy to read on most computers or laptops, as well as Epub format for Kindles, Apple Books and most other e‑readers. Choose whichever suits your device — you get both.

Also by Noel: Super and estate planning go hand in hand — your super is your biggest asset to get right. Wills, Death & Taxes Made Simple covers wills, powers of attorney and how to pass on your super tax‑effectively.