SMSF Core
Start SMSF Core

SMSF Core

AI-powered workflow automation for regulated finance, starting with SMSF.

Our first workflow gets missing trustee evidence into BGL Simple Fund 360 before preparation starts.

Run it on one fund For trustees

For practices on Simple Fund 360, and for trustees who run their own fund.

Built in Australia. Fund records are stored in Australia and exports are free, always.

  1. 1Requested

    Documents the year still needs

    Loan statement for Loan over 21 Smith Street, Parramatta

    FY 2027. Due 30 June 2027.

    Waiting on trusteeAsked once, by email
  2. 2AI matched it

    The trustee confirms

    This looks like the Loan statement for Loan over 21 Smith Street, Parramatta, FY 2027 we asked for.

    SAMPLE-loan-statement-21-smith-st-fy2027.pdf

    ConfirmSomething else
  3. 3In BGL

    The fund's Documents in Simple Fund 360

    Loan statement, 21 Smith Street

    SAMPLE-loan-statement-21-smith-st-fy2027.pdf · Added 6 Sept 2026

    Tags on the document in Simple Fund 360: FY2027, LOAN STATEMENT, SMSF CORE
Sample fund in BGL's staging environment. Documents written back over the BGL API after the trustee confirmed.

Three layers, one product

A company thesis, a product, and the first workflow it runs.

Rules control the workflow. AI understands unstructured inputs. People approve exceptions. Every page on this site sits in one of the three layers.

Three layers, one product
  • Company
    AI-powered workflow automation for regulated finance
  • Product
    SMSF Core, built around BGL Simple Fund 360
  • First workflow
    Trustee evidence collection: collect, check, act

Our first workflow

Our first workflow: trustee evidence collection

AI reads documents and can draft suggested entries. Deterministic rules handle evidence requirements and tax calculations. Nothing is recorded until the trustee confirms.

  1. 1Collect

    What the year needs, asked once

    • The expected list comes from the fund's shape: a market valuation and an insurance certificate for each property, lease or rent evidence when it is leased, a loan statement for each borrowing, and an annual tax statement for each ETF or managed fund.
    • What the fund's Documents, tags and workpapers already hold comes off the list.
    • One open ask per fund, nearest deadline first, in one plain email to the trustee between 09:00 and 09:15 Sydney. Your staff do not chase.
    Documents the year still needs card on the trustee's Documents page, 2 requests this year, with the row Insurance certificate for 21 Smith Street, Parramatta, FY 2027, due 30 June 2027, marked Done
    The request as the trustee sees it on their Documents page, here already Done. Scroll sideways for the whole screen.
  2. 2Check

    Four facts, then the trustee confirms

    • The document the trustee forwards or uploads is read and checked against the open request on four facts: document type, what it relates to, financial year and period covered.
    • A match shows the trustee a Confirm button. A wrong document gets a reply at once naming what is still needed, and the request stays open.
    • Your practice does not mark documents. The trustee confirms, and an uncertain read lands in your Needs review count.
    Match card on the trustee's Documents page: This looks like the Loan statement for Loan over 21 Smith Street, Parramatta, FY 2027 we asked for, the file name, and the buttons Confirm and Something else
    The match card. Nothing is filed before the trustee presses Confirm. Scroll sideways for the whole screen.
  3. 3Act

    Filed in Simple Fund 360 with tags

    • On Confirm the document is written to the fund's Documents in Simple Fund 360, tagged with the financial year, the document type and SMSF Core. That is the only write.
    • If the fund's BGL SmartDocs email is set, the same file is emailed there as well, as a second filing channel.
    • The preparer opens Documents and the valuation, loan statement or tax statement is already there.
    The fund's Documents list read back from Simple Fund 360: a loan statement and a valuation for 21 Smith Street FY2027, each tagged FY2027, the document type and SMSF CORE
    The fund's Documents list in Simple Fund 360, read back over the BGL API after two write-backs. Scroll sideways for the whole screen.
Run it on one fund For trustees

Screens: app.smsfcore.com, September 2026, BGL's staging firm, sample data. Times are Sydney, as the product schedules them.

Works with BGL Simple Fund 360

Every confirmed document lands where the practice already works

SMSF Core connects to Simple Fund 360 through BGL's own consent flow, under the audit scope. It reads the fund's holdings, Documents and tags, and the one thing it writes is a document the trustee has confirmed, into the fund's Documents with the financial year and document type as tags. That happens the day the document arrives, all year, not in a June handover.

No accountant on Simple Fund 360? The same records go to the trustee's evidence pack, which exports to Class-compatible and plain CSV formats, free, always.

BGL SIMPLE FUND 360 · CLASS · CSV

The watchers

Dates and thresholds, watched before they pass

Sample data, illustrative only

The same records that build the evidence pack are read continuously against the rules that carry dates.

Contribution caps

Concessional and non-concessional caps tracked against what has actually been received, including bring-forward state.

ITAA 1997 Div 291 and 292

45-day franking windows

Every franked parcel's holding period counted around its ex-dividend date, flagged while the window is still open.

ITAA 1936 s 160APHO

Division 296 threshold

Total super balance watched against the $3 million line as balances and contributions move through the year.

Division 296, from 1 Jul 2026

Pension minimums

Each pension account's minimum drawdown measured against payments made, with the shortfall visible before 30 June.

SIS Regulations sch 7

How trust works here

Check the work before you trust it

A live example, no account

The report we produce is public. Open app.smsfcore.com/example-report and read exactly what your accountant would receive.

Every number carries its source

Each figure cites the ATO page or statute it is computed from, next to the figure itself. Nothing asks to be taken on faith.

Your data leaves whenever you do

Exports to BGL Simple Fund 360, Class and CSV. Your data exports free, always, on a trial or after one ends.

BGL SF360 · CLASS · CSV

Your data exports free, always. That promise is the product.

Free tools, no signup

Try the calculators first

Each one answers a single question and cites its statutory source. No account, no email.

45-day holding checker Division 296 estimator Bring-forward checker Pension minimum calculator Payday Super deadline checker

Run the first workflow on one fund

One fund first, with a 48-hour diagnostic and no meeting. Then five funds for 30 days. Then the founding plan.

Run it on one fund

For trustees: 30 days free, no card

General information only. Not a licensed financial service.

Common SMSF questions

Does SMSF Core replace my accountant or my accountant's software?
No. Your accountant and their software stay exactly where they are. SMSF Core works out which evidence the year needs, asks the trustee for what is missing, and files what comes back into the fund's Documents in BGL Simple Fund 360 after the trustee confirms. The preparer opens Documents and the valuation, loan statement or tax statement is already there. Trustees without an accountant on Simple Fund 360 get the same records as an evidence pack in BGL, Class and CSV formats.
What does the pilot look like for a practice?
One fund first, with a 48-hour diagnostic and no meeting. Then five funds for 30 days. Then the founding plan. Free during the pilot, then $99 per fund per year for the first 20 funds, cancel anytime. A fund your practice invites pays no trustee subscription.
What does the AI do, and what does it never do?
AI reads documents and can draft suggested entries. Deterministic rules handle evidence requirements and tax calculations. Nothing is recorded until the trustee confirms. AI never calculates tax, determines a compliance outcome or posts an unconfirmed record.
Can I do this in a spreadsheet?
Partly. A spreadsheet can count days and add up contributions, and plenty of trustees run one for years. What it will not do is hold the documents themselves, check each one against what the year needs when it arrives, or put it where the accountant already works. The spreadsheet tracks numbers; the evidence line is the part you still chase every June.
What happens after the 30-day trial?
If you do not upgrade, your account becomes read-only after day 30. Nothing is deleted, and your data exports free, always, in the same BGL, Class and CSV formats. You can upgrade at any time to the trustee plan, $49 a month or $490 a year, and pick up where the records left off. Invited by your accounting practice? Your fund pays no trustee subscription.
Are these numbers something I can act on directly?
SMSF Core is information-only software, not a licensed financial service and not a tax agent. Every figure is calculated from the records you enter and shows the ATO page or statute it comes from, so you and your accountant can check the working. Decisions about the fund stay with you as trustee.
Where is my data stored and how secure is it?
Fund records are stored with Supabase in the Sydney region, so the database sits in Australia. Some processing happens outside Australia: application servers for the app run in a United States region, and document text is sent to Anthropic for reading. Traffic is encrypted in transit, each fund's records are isolated with row-level security, backups run daily, and there is no ad tracking. The security and privacy pages carry the detail.