Assumptions and methodology

• v2.1: contributions, TBC split, post-retirement drawdowns, shared with the Bitcoin Super app.
• v2.2: Simple/Advanced UI, inflation, spending coverage, yearly tables, web only until app parity.

General Transfer Balance Cap

$2,100,000

Concessional cap

$32,500

Non-concessional cap (reference)

$130,000

Illustrative TBC indexation / year

$100,000

Default inflation (Advanced)

2.5% (RBA midpoint)

Recent ABS headline CPI

4.3%

ATO 2026-27: general Transfer Balance Cap $2.1m (ato.gov.au transfer-balance-cap); concessional contributions cap $32,500 and non-concessional $130,000 (ato.gov.au contributions-caps). Illustrative TBC indexation +$100,000/year is a model assumption, not the ATO personal-cap formula. Default inflation 2.5% is the RBA target midpoint; ABS headline CPI was 4.3% in the year to September 2026, run both in Advanced.

ABS CPI, 12 months to September 2026. The default is a policy midpoint, not a claim that prices will stay there. Over 10 to 30 years the gap between target and actual inflation changes what a nominal balance buys, when inflation runs hot.

• ATO Transfer Balance Cap
• ATO contributions caps

• lower: 8 / 20
• middle: 10 / 30
• higher: 12 / 40

Tax, fees, volatility, sequencing risk, custody and audit costs, regulatory change, and behaviour. Outputs are not forecasts, suitability scores, or provider rankings.