Superannuation tracker app
Every fund you have. Every contribution. Every fee. One household super timeline, with retirement projections grounded in your real balance.
What Auravest tracks
All your super in one view
Multiple APRA-regulated funds, plus your SMSF, plus your partner's — all rolled into one household super timeline.
Balance history charted
Continuous super balance tracking from the day you connect — see contributions in, fees out, market movement.
Retirement projections
Project your super balance to preservation age with realistic return distributions and Monte Carlo scenarios.
Cap usage alerts
Track concessional contribution cap usage in real time. See your Division 293 exposure if income plus contributions exceed $250,000.
Audit and tax export
Generate clean records of contributions, fund switches, and balance changes for your accountant or your records.
Australian super balance benchmarks
Indicative median individual super balances by age band, drawn from ABS Survey of Income and Housing data. Where do you sit?
| Age band | Approx. median super balance |
|---|---|
| Under 35 | $28,000 – $45,000 |
| 35–44 | $95,000 – $170,000 |
| 45–54 | $220,000 – $360,000 |
| 55–64 | $380,000 – $590,000 |
| 65+ (at retirement) | $420,000 – $750,000 |
Indicative ranges adapted from ABS Survey of Income and Housing (2019–20) and ASFA retirement standard updates.
General information only — not personal advice
The superannuationinformation on this page is general in nature and reflects publicly available Australian Taxation Office (ATO) and Australian Securities & Investments Commission (ASIC) guidance at the time of writing. It is not financial, taxation, or legal advice. Rules and rates change. Please confirm with a registered tax agent, licensed financial adviser, or the ATO before acting.
Concessional contribution cap is $30,000 for FY 2024–25 (verify current rate at ato.gov.au). Division 293 income threshold is $250,000. Carry-forward concessional contributions require a total super balance under $500,000 at the previous 30 June. These rates change — confirm with the ATO.
Last reviewed by Auravest: 14 May 2026
Why super tracking matters more than you think
- It's mandatory and compounding. 11.5% of your salary (rising to 12% in 2025) is going in whether you watch or not — the returns over 30 years dwarf most other savings.
- It's your second-largest asset. For most working-age Australians, super sits second only to the family home — but rarely gets the same attention.
- Fees compound too. A 1.5% fund vs a 0.5% fund over 30 years is hundreds of thousands of dollars. Visibility is the first step.
- Caps have consequences. Exceeding the concessional cap triggers extra tax; not using it can mean missing decades of compounded contributions.
Frequently asked questions
Is there an app that tracks all my superannuation?
Yes. Auravest is the Australian superannuation tracker app that supports multiple APRA-regulated funds (AustralianSuper, Hostplus, Aware, etc.) plus SMSFs with look-through to underlying holdings. Most super funds publish a member portal that shows that fund's balance — Auravest is the household-level rollup across every fund you and your partner hold.
Why track super at all if my fund already shows my balance?
Three reasons. (1) Most Australians hold more than one super fund over their career; only a household-level tracker shows the total. (2) Super is your second-largest asset after the home — leaving it out of net worth tracking understates your wealth by 30–40% for working-age households. (3) Cap usage, Division 293 exposure, and contribution timing decisions require visibility across all funds at once.
Does Auravest track concessional contribution cap usage?
Yes. Auravest tracks your concessional contribution cap usage in real time across all funds. The concessional cap is $30,000 for 2024–25 (verify with ATO each FY). It also flags carry-forward unused cap if your total super balance was under $500,000 at the previous 30 June — see the ATO for current rules.
What is Division 293 tax and does Auravest help with it?
Division 293 is an additional 15% tax on concessional super contributions for high-income earners whose Division 293 income plus low-tax contributions exceed $250,000 in a financial year. Auravest flags when your projected position is approaching the threshold, so you can decide whether to slow contributions or accept the additional tax. We surface the data; an Australian tax adviser handles the planning.
Can I track my partner's super too?
Yes. Auravest supports household-level super tracking with multiple members. View total household super, individual member balances, and combined projections for joint retirement planning.
Track your super on a timeline
Free to start. Multiple funds. SMSF look-through included.