SMSF Core
Start Franked

The deadline watchdog for your SMSF.

The 45-day franking window, the Division 296 line, contribution caps, the pension minimum, TBAR dates. SMSF Core watches every one against your fund's recorded position, and warns before a deadline passes, not after. Then it builds the audit pack your auditor reads.

Clock 01 · the 45-day holding ledgerExample data
TickerDays heldFranking at riskStatus
CBA97—Qualified
BHP24$1,840At risk
WES171—Qualified
NAB83—Qualified
A parcel qualifies for its franking credits only when held at risk for at least 45 days around the ex-dividend date. BHP shows at risk here: 24 days held, franking credits exposed if sold now.

Example data. M1 reads your actual parcels and holding periods.

See the live demo Start Franked Demo needs no accountLive now · Built in Australia · Your data stays in Australia
The clocks · one subscription, every deadline
See plans and pricing →
M1 · The 45-day clockTracks every parcel against the 45-day rule and produces the audit export your auditor reads.LIVEFrom $49/mo
M2 · The $3m lineTracks member balances against the thresholds with a two-tier estimate, the cost-base reset values, the attribution ledger and the earnings estimate.LIVEFrom $69/mo
M3 · The 7-day windowA contribution ledger with pacing against the seven-day Payday Super windows and the NPP account check.LIVEFrom $89/mo
M+ · TrustCoreThe family trust workspace: beneficiary registry, distribution resolutions with a PDF trail, the UPE ledger and Division 7A loan records. An add-on for SMSF Core subscribers.LIVEFrom $29/mo
M-PRO · Practice workspaceFor accountants and auditors: a read-only status board across every client fund, with trustee-controlled access.LIVE →From $149/mo
Open the app Look around a sample fund first

Try it on your own numbers.

Drag the slider for a rough franking refund from a single input. The product works from your actual parcels.

M1 · Franking refundLIVE CALCULATOR
Franking-eligible holdings
$300,000 AUD
Your ASX share allocation, typically 25 to 40% of a diversified SMSF
Source: Morningstar, Mar 2026
Fund phase
Accumulation: 15% tax · Pension: 0% tax
Gross dividend yield
3.3% broad ASX 200
$9,900
Franking credits
fully franked, 30% corp tax
$4,243
Tax owed on grossed-up
at fund's 0% rate
$0
Cash refund from ATO
paid at year-end lodgement
$4,243

This calculator provides an estimate for general information only, based solely on the figures you enter. It does not take into account your fund's actual parcels, holding periods, or circumstances, and is not to be relied on for any decision. Consider whether you need information or services from a licensed AFS provider. Not a licensed financial service.

Illustrative only. Uses Morningstar ASX 200 average yield (3.3%, Mar 2026) or Vanguard VHY high-dividend ETF yield (5.4%, Apr 2026). Assumes fully franked dividends at 30% corporate tax, 45-day holding rule met, pension balance within $2M Transfer Balance Cap (1 Jul 2025), no other fund income or deductions. Actual refund depends on your fund's full income, franking percentages across holdings, and deductions. Not a licensed financial service. Information only.

This is an estimate from one input. M1 works from your actual parcels.

Common SMSF questions

What is SMSF Core?
SMSF Core is Australian compliance software for self-managed super fund trustees. It tracks franking credits and the 45-day holding rule per parcel, contribution caps, pension minimums and Division 296 exposure, and produces an audit package, with every figure citing its ATO or statute source.
Do SMSFs get the $5,000 franking credit exemption?
No. The $5,000 small-shareholder exemption from the 45-day holding rule applies to individuals, not to SMSFs. So an SMSF must satisfy the 45-day rule on every franked parcel to keep the credits (ITAA 1936 s 160APHO).
When did Division 296 start and who does it affect?
Division 296 commenced on 1 July 2026, for the 2026-27 year onward. It adds tax to earnings attributed to the part of a member's total super balance above $3 million (an extra 15%) and above $10 million (25%). It affects members with total super above $3 million, including SMSF members.
How much does SMSF Core cost?
The franking module starts at $49 per month or $490 per year. Division 296 tracking is $69 and the Payday Super module is $89, with an annual bundle at $1,788. The practice tier for accountants starts at $149 per month for up to ten funds.
Do I still need SMSF Core if my accountant uses Class or BGL?
They serve different jobs. Class and BGL Simple Fund 360 are ledger and annual-return platforms. SMSF Core is a trustee-facing layer that tracks franking, the 45-day rule and Division 296 through the year and exports to both, so it sits alongside them rather than replacing them.
Is SMSF Core a licensed financial service?
No. SMSF Core is information-only software, not a licensed financial service and not a tax agent. It calculates from the records you enter and cites the ATO or statute source for every figure.
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We publish SMSF rule explainers and legislation updates as they land, and we ship new modules and tools on top of them. Leave your email and we send the same notes to your inbox, no more than one per release.

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  • New SMSF rule explainers, worked as day counts and dollar arithmetic
  • Legislation and ATO updates as they go live, with what changed for your fund
  • Product news: new modules and tools as they ship
Recently published
  1. The transfer balance cap rose to $2.1 million on 1 July. Most trustees will not get the full increase
  2. Every SMSF asset needs a fresh 30 June market value, not last year's number carried across
  3. Carry-forward concessional contributions: five prior years stack into FY 2026-27, gated at $500,000
  4. The pension rule that did not change on 1 July, and still catches funds every year
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