Data confidence:
Fetched — live from source
Partial — some fields extracted
Manual / inferred — verify before relying
⚠️ Some cached data may include AI-inferred values — see confidence dots on each source pill
Active Data Sources
RBA — Cash Rate (May 2026)
ABS — CPI March 2026
ATO — Tax Rates FY2025-26
ATO — Super Caps FY2025-26
Services Australia — Age Pension Rates
Services Australia — Assets Test
Services Australia — Income Test
APRA — MySuper Performance (Aug 2025)
Key Indicators
RBA Cash Rate
4.35%
Effective 6 May 2026
▲ +0.25% hike (3rd consecutive)
CPI Annual
4.6%
March 2026 — above RBA 2–3% target
▲ from 3.7% Feb
Trimmed Mean CPI
3.3%
Underlying inflation — RBA focus
Marginally above target
Super Guarantee
12%
FY2025-26 — final legislated step
No further increases
Concessional Cap
$30k
Per annum — FY2025-26
▲ from $27,500
Age Pension (Single)
$1,201
Per fortnight — max rate
$31,223 p.a. estimate
Macro Charts
RBA Cash Rate History
Monthly rate decisions — May 2022 to May 2026
CPI Components — Annual Change
March 2026 quarter — ABS headline breakdown
Tax & Superannuation
Income Tax Rates — FY2025-26
Australian resident rates including Medicare levy (2%). Stage 3 cuts applied from 1 July 2024.
| Taxable Income | Rate | Marginal Rate incl. Medicare |
|---|
| $0 – $18,200 | Nil | 0% |
| $18,201 – $45,000 | 16¢ per $1 | 18% |
| $45,001 – $135,000 | 30¢ per $1 | 32% |
| $135,001 – $190,000 | 37¢ per $1 | 39% |
| $190,001+ | 45¢ per $1 | 47% |
Stage 3 impact: 19% bracket abolished, 32.5% → 30%. Significant relief for $45k–$135k earners.
Super Key Rates — FY2025-26
ATO-verified thresholds. Concessional cap indexed from $27,500.
| Threshold | Amount |
|---|
| Superannuation Guarantee rate | 12.0% |
| Concessional contributions cap | $30,000 p.a. |
| Non-concessional contributions cap | $120,000 p.a. |
| Bring-forward rule (3 years) | $360,000 |
| Division 293 threshold | $250,000 |
| Transfer Balance Cap | ~$1.9m |
| Co-contribution lower threshold | $43,445 |
| Co-contribution upper threshold | $58,445 |
| Max co-contribution | $500 |
| LISTO income ceiling | $37,000 |
| Preservation age | 60 |
Age Pension — Services Australia (Effective 20 March 2026)
Maximum Payment Rates
Fortnightly rates — updated 20 March and 20 September each year.
| Category | Fortnightly | Annual (est.) |
|---|
| Single — max total | $1,200.90 | $31,223 |
| ↳ Basic rate | $1,100.30 | — |
| ↳ Pension supplement | $86.50 | — |
| ↳ Energy supplement | $14.10 | — |
| Couple (each) — max total | $905.20 | — |
| Couple (combined) — max total | $1,810.40 | $47,070 |
Assets Test — Pension Cut-Off Limits
Pension reduces by $3/fortnight per $1,000 of assets over full pension limit. Home is exempt.
| Category | Full pension limit | Part pension cut-off |
|---|
| Single homeowner | $321,500 | $722,000 |
| Single non-homeowner | $579,500 | $980,000 |
| Couple (combined) homeowner | $481,500 | $1,085,000 |
| Couple (combined) non-homeowner | $739,500 | $1,343,000 |
Income test (single): Free area $218/fortnight. Taper 50¢ per $1 over free area. Pension cuts off at $2,619.80/fortnight.
APRA — MySuper Fund Performance Flags (2025 CPPP)
Significantly Underperforming Funds
APRA 2025 Comprehensive Product Performance Package — investment returns (10yr basis)
| Fund / Product | Status |
|---|
Bendigo MySuper
Bendigo Superannuation Pty Ltd
|
⚠️ Underperforming |
Significantly Higher Admin Fees
Products flagged for above-benchmark administration fees in 2025 CPPP
| Fund / Product | Flag |
|---|
| Superhero Super (OneSuper / Diversa Trustees) | High Fees |
| smartMonday PRIME (Smart Future Trust) | High Fees |
| IOOF MySuper (IOOF Portfolio Service) | High Fees |
| Virgin Money MySuper (Mercer Super Trust) | High Fees |
| Prime Super MySuper (Prime Super Pty Ltd) | High Fees |