Xtools+ — Iress Community

🤓 Xplan Hint: Balancing your SMSF in Xtools+

courtney.youngblutt — Mon, 27 Jul 2026 03:53:13 +0000

Did you know that you need to enter both sides of an SMSF's balance sheet in Xtools+?

For the SMSF to be modelled correctly, TOTAL ACCOUNTS must equal NET ASSETS, meaning you need to enter the accounts of the SMSF (including existing SMSF Pensions) as well as its assets and liabilities.

To help you balance the SMSF, we now show the total accounts and net assets on the SMSF Key Details Input screen, which is located at Input > SMSF Admin > Key Details.

If your total accounts = net assets, the message at the bottom shows that accounts and net assets are balanced.

If your SMSF isn’t balanced, the message at the bottom of the screen will tell you to adjust the inputs.

https:\/\/us.v-cdn.net\/6038637\/uploads\/G0F3GBV5C967\/copy-of-iress-community-blog-post-graphic-850x450-286-29.png<\/a><\/p>

From the evening of 26 June 2026, you now have the tools you need to model and manage the Division 296 tax for an accumulation super account (including untaxed) and an SMSF in CALM Xtools+. This update brings core calculations to CALM Xtools+, giving you more time to assess strategies ahead of key legislative milestones.<\/p>

This release provides you with the following foundational capabilities.<\/p>

Project the $3 million and $10 million thresholds forward, indexed to the Consumer Price Index.<\/li>

Calculate total earnings across super accumulation and account-based pensions (including untaxed and SMSF).<\/li>

Track exactly when your clients are likely to become liable for the tax.<\/li>

Fund the tax liability from personal cash flow or super\/SMSF accumulation accounts.<\/li>

Toggle the SMSF cost base reset option and either manually enter or automatically calculate specific cost bases.<\/li>

Manage specific exemptions and concessions, including for structured settlement contributions and state higher-level office holders.<\/li><\/ul>
Below we walk you through the details, including the SMSF complexities. <\/p>
You can also access eLearning on the Iress Learning Centre<\/a>, which combines interactive elements, videos, and knowledge checks to help reinforce key points.<\/p>
🚀 Release<\/strong><\/h2>
This update was released Friday 26 June 2026.<\/strong><\/p>
🔎 Contents<\/strong><\/h2>Legislative Data<\/a><\/li>
Thresholds and earnings calculations<\/a><\/li>
Limits and Thresholds Display<\/a><\/li>
Controlling cashflow and release from super<\/a>
Impact on Total Super Balance<\/a><\/li><\/ul><\/li>
Applying exemptions and exclusions<\/a>
Turn off the tax<\/a><\/li>
Exclude untaxed earnings for state higher level office holders<\/a><\/li><\/ul><\/li>
The SMSF Cost Base Reset Election<\/a><\/li>
Detailed calculations for SMSF Division 296 earnings<\/a><\/li>
Deciding whether to apply the Cost Base Reset Election<\/a><\/li>
Xmerge Codes<\/a><\/li>
Future updates<\/a><\/li>
Sharing your feedback<\/a><\/li><\/ul>
Legislative Data<\/strong><\/h2>
The calculations use the following legislative data, sourced from the Treasury Laws Amendment (Building a Stronger and Fairer Super System) Bill 2026. <\/p>
Tax Thresholds:<\/strong><\/p>
Primary Threshold:<\/strong> $3 million (Large Superannuation Balance).<\/li>
Secondary Threshold:<\/strong> $10 million (Very Large Superannuation Balance).<\/li>
Indexation:<\/strong> Annual adjustment to CPI, indexed in $150,000 (primary) and $500,000 (secondary) increments, aligned with the Transfer Balance Cap.<\/li>
Tax Rates:<\/strong>
Lower Tier:<\/strong> 15% on earnings between $3m and $10m.<\/li>
Upper Tier:<\/strong> 25% on earnings above $10m.<\/li><\/ul><\/li>
Large APRA Fund Adjustment Factors:<\/strong> The \"prescribed adjustment factors\" for Large APRA Funds (Accumulation\/Untaxed\/Account Based Pension) as defined in the Treasury Laws Amendment (Building a Stronger and Fairer Super System) Regulations 2026<\/em>.\nBecause it is highly complex for large APRA-regulated funds to individually reset the cost base of millions of underlying assets to their 30 June 2026 market value (which is the method available to SMSFs), this factor method provides transitional relief.\nInstead of tracking specific asset values, the fund simply takes its overall net capital gain and multiplies it by the following prescribed factors:2026-27 income year:<\/strong> 0.2<\/li>
2027-28 income year:<\/strong> 0.4<\/li>
2028-29 income year:<\/strong> 0.6<\/li>
2029-30 income year:<\/strong> 0.8<\/li><\/ul><\/li><\/ul>Xtools Legislative data for Division 296 was quietly updated along with Xplan Leg Rates 2026-27 Budget: Medicare Levy Low Income Thresholds.<\/strong><\/a><\/p>
Thresholds and earnings calculations<\/strong><\/h2>
You have full visibility over your clients' Division 296 tax projections. The system automatically calculates total earnings and tracks them against legislative thresholds.<\/p>
Project thresholds:<\/strong> You can view the primary $3 million and secondary $10 million thresholds on the Rates and Thresholds page in Xtools+. These index automatically to the November Consumer Price Index using $150,000 and $500,000 increments.<\/li>
Calculate total earnings:<\/strong> We automatically calculate total earnings across all accumulation super and account-based pension accounts. The system applies the prescribed adjustment factors for large APRA funds to capital gains earnings. Note that the super projections in the Xtools generally make the conservative assumption that the ⅓ capital gains discount does not apply<\/strong>, as assets have not been held for at least 12 months. <\/li>
Identify liability dates:<\/strong> You can track exactly when your clients become liable for the tax.<\/li><\/ul>
Limits and Thresholds Display<\/strong><\/h2>
You can see details of the Division 296 calculations at the bottom of the Limits and Thresholds Display page at Display > Individual > Super > Client > Limits and Thresholds. <\/p>
The hyperlink shown below the header shows you the financial year in which we calculate your client first becomes liable for the tax, as well as the option applied regarding payment of the tax. <\/p>
The calculations apply the “higher of” rule for total super balance<\/strong>, which prevents individuals from making large temporary withdrawals just before June 30 to dodge the tax. This includes the special transitional rule for 2026\/27,<\/strong> which uses only the closing total super balance for that financial year.<\/p>
In Xtools+, the \"prescribed adjustment factors\" for Large APRA Funds <\/strong>are applied to Superfund 1 and Superfund 2 in the row > Percentage Assessable for Retail Funds. Note that when you override the 100% percentage of capital gains that are generally assessable for Retail Taxed Super funds, this is applied before the prescribed adjustment factors.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/XWXYE0NT63S6\/image-9986d0374a1358-5b71.png<\/a><\/p>
Controlling cashflow and release from super<\/strong><\/h2>
You can control exactly how the tax impacts your client's projected balances. <\/p>
Timing:<\/strong> The system calculates the tax from 1 July 2026 and includes the first Div 296 liability in projections at the end of the 2026\/27 financial year.<\/li>
Included as an expense:<\/strong> By default, the system includes the calculated tax in your client's cashflow as an expense.<\/li>
Release from super:<\/strong> You have the option to fund the tax liability directly from the projected balance of Superfund 1, Superfund 2 (including Untaxed) or SMSF accumulation accounts. You can choose prorata, which apportions the tax according to total super balance or to select one particular fund for it to be deducted from first. You cannot show the tax being deducted from account-based pension accounts.<\/li>
Adjust settings:<\/strong> You can manage these deduction settings by clicking the popup hyperlink at Individual> Input > Super > Client\/Partner > EOP Transactions > Release of Tax, as shown below:<\/li><\/ul>https:\/\/us.v-cdn.net\/6038637\/uploads\/RPG1FN0NXAMY\/image-cf6101f80ba3a8-1e62.png<\/a><\/p>
You can also change the settings from many other pages, including: <\/p>
Input > Individual > Superannuation > Client\/Partner > Regular CCs > Taxes<\/li>
Display > Individual > Cashflow > Cashflow Consolidated <\/li>
Display > Individual > Cashflow > Taxation<\/li>
Display > Individual > Superannuation > Client\/Partner > Limits & Thresholds<\/li>
Display > SMSF > Cashflow > Cashflow Consolidated <\/li>
Display > SMSF > Assets > Working Cash Account<\/li><\/ul>
https:\/\/us.v-cdn.net\/6038637\/uploads\/UQVTQQ0UXANP\/image-0965ba8832e348-b4e9.png<\/a><\/p>
Impact on Total Super Balance<\/strong><\/h2>
Total Super Balance is calculated at the top of Display> Individual > Superannuation > Client\/Partner > Limits & Thresholds. <\/p>
As noted earlier, the system includes the Div 296 liability in projections at the end of the applicable financial year and deducts it from cashflow by default.<\/p>
When you set the Div 296 to be paid from superannuation, the release amounts are added back to the calculated Total Super Balance, so the Div 296 tax calculations in the next year is based on a realistic balance.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/DCK1PDD5DC6V\/image-11cfce1efdeb08-4166.png<\/a><\/p>
Applying exemptions and exclusions<\/strong><\/h2>
You can tailor the calculations to fit your clients' unique circumstances and switch off the tax entirely for specific accounts.<\/p>
Turn off the tax <\/strong><\/h3>
You can use a toggle to turn off the tax completely for clients who are exempt, such as those holding a child allocated pension<\/strong> or who have received a structured settlement<\/strong> and made a personal injury contribution.<\/p>
To turn off the tax, set Div 296 Tax Applies to No. <\/p>
This input can be accessed in the various screens noted above under Controlling cashflow and deductions. <\/p>
Below we see the screen for Input > Individual > Super > Client > Regular CCs.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/LLAXTNCBTN2Q\/image-d0b26cb00fad78-d348.png<\/a><\/p>
Exclude untaxed earnings for state higher level office holders<\/strong><\/h3>
If your client is a state higher level office holder with an untaxed fund, you can apply special Division 296 treatment to exclude the earnings from the untaxed fund from the calculation of Division 296 tax. Note that the balance of the Untaxed Fund will still be included when calculating Total Superannuation Balance for the Division 296 calculations.<\/p>
You can find the setting at Input > Super > Client\/Partner > Accounts under the heading for the Superfund 2, provided the Plan Type is set to Untaxed. To apply the setting, set it to Yes.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/4PSHUD742C4R\/image-5a7f01ebc691d8-3e82.png<\/a><\/p>
The SMSF Cost Base Reset Election <\/strong><\/h2>
The \"cost base reset\" is a transitional mechanism designed to ensure that the Division 296 tax only applies to SMSF capital gains made after 1 July 2026<\/strong>. For Division 296 purposes only, a SMSF trustee can choose to treat the \"cost\" of an asset as its Market Value on 30 June 2026<\/strong>. If you make the election, it applies to every CGT asset<\/strong> held by the fund on 30 June 2026 (shares, property, etc.). The election must be made with the fund's 2026–27 tax return<\/strong>.<\/p>
A Cost Base Reset setting has been included in Xtools+ so you can evaluate the impact of making the election, or not. The setting is accessible from the new SMSF Key Details screen shown below. <\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/Q1PQN2KU85IU\/image-ba06a0ec37e36-ebcf.png<\/a><\/p>
The setting is also accessible from Input > SMSF Admin > Assets Financial Holdings AND > Property.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/MMJM75Y6WY1J\/image-d45f398a723b78-c008.png<\/a><\/p>
For projections starting on or before 1 July 2026, the system automatically calculates the 1 July 2026 cost base using your clients' SMSF asset balances. <\/p>
For projections starting after 1 July 2026, you can manually enter the specific Division 296 cost base for each individual SMSF asset or property.<\/p>
The input for the cost base reset election can also be accessed in most of the screens and pop-ups noted above under Controlling cashflow and deductions. <\/p>
Detailed calculations for SMSF Division 296 earnings<\/strong><\/h2>
You can see the apportionment of SMSF Division 296 earnings as well as the Division 296 capital gains tax calculations at the bottom of the SMSF Taxation Display i.e. Display > SMSF Admin > Cashflow > Taxation. <\/p>
SMSF Division 296 earnings are apportioned using its account balances after all of the SOP transactions.<\/p>
Below we see an example where the Cost Base Reset election has been applied. The general capital gains tax calculation for the SMSF is shown under Income.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/RHGFWQADOFLY\/image-b5b976f1605278-40a2.png<\/a><\/p>
The capital gains portion of the SMSF Division 296 earnings are calculated differently using the 1 July 2026 asset balances as a cost base when the cost base reset election has been applied. <\/p>
In this example we can see the special treatment of Division 296 capital losses. The Explanatory Memorandum to Treasury Laws Amendment (Building a Stronger and Fairer Super System) Bill 2026 noted that: <\/p>
“The additional use of capital losses only applies to the calculation of the net capital gain for Division 296 purposes for that income year. In other words, in the following income year, the fund will still have available its usual balance of carried forward capital losses to be applied in working out its net capital gain, including for Division 296 purposes”. <\/em><\/p><\/div><\/blockquote>
Therefore in this case, the Division 296 capital loss realised in 2026\/27 ($100,070) can only be used to offset Division 296 capital gains in the same financial year. Since no other Division 296 capital gains were realised in that financial year to use it up, the $100,070 remains unused and cannot be carried forward. <\/p>
When the SMSF realises a Division 296 capital gain in 2027\/28, the usual balance of carried forward capital losses (the general capital loss of $200,070, realised in 2026\/27) offsets the Division 296 capital gain. <\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/DX24JEP4KHIY\/image-74c6a3749b72b-51c9.png<\/a><\/p>
Deciding whether to apply the Cost Base Reset Election<\/strong><\/h2>
You can see how the SMSF Division 296 earnings affect the individual’s Division 296 liability at Display > Individual > Superannuation > Client\/Partner > Limits & Thresholds. <\/p>
In the following case we see that Income earnings included from the Perfect Super SMSF starts from $65,987 in 2026\/27 and the capital gains assessed are generally Nil, except for 2027\/28, when capital gains of $968,150 are included and Bob’s Division 296 tax liability increases from $6,787 in 2026\/27 to $106,474 in 2027\/28.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/77MG0ULE4F3L\/image-0eec59ac784908-2766.png<\/a><\/p>
You can click the hyperlink below the Div 296 heading to toggle the Cost Base Reset option or deduct the tax from Super. <\/p>
When we turn off the Cost Base Reset election, the capital gain for 2027\/28 increases to $2,043,633 and Bob’s Division 296 tax increases to $217, 086.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/B76ACP5KNAAH\/image-c93ed9d1f364b-6cef.png<\/a><\/p>
Xmerge Codes<\/strong><\/h2>
You can code your documents to include Division 296 <\/em>recommendations and outputs by using the Xmerge Codes<\/em> available for these new features. <\/p>
The codes are collated in the Xmerge Library.<\/strong><\/a><\/p>
Future updates<\/strong><\/h2>
Refined calculations: <\/strong>These will incorporate the treatment of defined benefit interests, following clarification on family law valuation factors.<\/li>
Whole of Wealth reporting:<\/strong> New capabilities to compare tax outcomes across different entities will be introduced.<\/li><\/ul>Sharing your feedback <\/strong><\/h2>
We are committed to developing tools that align with your workflow and highly value your insights.<\/p>
Should you have any questions about this Xtools+ <\/em>update, please don't hesitate to reach out to us. You can contact our Help Desk at 1300 1300 69, speak directly with your Relationship Manager, or use Xtools Connect<\/strong><\/a>.\n🔔 Select the Division 296 tag below and click the 'Follow' button to be notified of future updates.<\/strong><\/p>","bodyRaw":"[{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/G0F3GBV5C967\\\/copy-of-iress-community-blog-post-graphic-850x450-286-29.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/G0F3GBV5C967\\\/copy-of-iress-community-blog-post-graphic-850x450-286-29.png\",\"name\":\"Copy of Iress Community blog post graphic 850x450 (6).png\",\"type\":\"image\\\/png\",\"size\":124009,\"width\":850,\"height\":450,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FG0F3GBV5C967%2Fcopy-of-iress-community-blog-post-graphic-850x450-286-29.png\",\"active\":true,\"mediaID\":18884,\"dateInserted\":\"2026-06-25T22:54:57+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"p\",\"children\":[{\"text\":\"From the evening of 26 June 2026, you now have the tools you need to model and manage the Division 296 tax for an accumulation super account (including untaxed) and an SMSF in CALM Xtools+. 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updates\"}]},{\"text\":\"\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"\"},{\"type\":\"a\",\"url\":\"https:\\\/\\\/community.iress.com\\\/ic\\\/discussion\\\/102931\\\/xtools-division-296-release-information-and-user-guide#:~:text=Sharing%20your%20feedback%C2%A0\",\"children\":[{\"text\":\"Sharing your feedback\"}]},{\"text\":\"\"}]}]}]},{\"type\":\"h2\",\"children\":[{\"text\":\"Legislative Data\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"The calculations use the following legislative data, sourced from the Treasury Laws Amendment (Building a Stronger and Fairer Super System) Bill 2026. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Tax Thresholds:\",\"bold\":true}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Primary Threshold:\",\"bold\":true},{\"text\":\" $3 million (Large Superannuation Balance).\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Secondary Threshold:\",\"bold\":true},{\"text\":\" $10 million (Very Large Superannuation Balance).\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Indexation:\",\"bold\":true},{\"text\":\" Annual adjustment to CPI, indexed in $150,000 (primary) and $500,000 (secondary) increments, aligned with the Transfer Balance Cap.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Tax Rates:\",\"bold\":true}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Lower Tier:\",\"bold\":true},{\"text\":\" 15% on earnings between $3m and $10m.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Upper Tier:\",\"bold\":true},{\"text\":\" 25% on earnings above $10m.\"}]}]}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Large APRA Fund Adjustment Factors:\",\"bold\":true},{\"text\":\" The \\\"prescribed adjustment factors\\\" for Large APRA Funds (Accumulation\\\/Untaxed\\\/Account Based Pension) as defined in the \"},{\"text\":\"Treasury Laws Amendment (Building a Stronger and Fairer Super System) Regulations 2026\",\"italic\":true},{\"text\":\".\\nBecause it is highly complex for large APRA-regulated funds to individually reset the cost base of millions of underlying assets to their 30 June 2026 market value (which is the method available to SMSFs), this factor method provides transitional relief.\\nInstead of tracking specific asset values, the fund simply takes its overall net capital gain and multiplies it by the following prescribed factors:\"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"2026-27 income year:\",\"bold\":true},{\"text\":\" 0.2\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"2027-28 income year:\",\"bold\":true},{\"text\":\" 0.4\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"2028-29 income year:\",\"bold\":true},{\"text\":\" 0.6\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"2029-30 income year:\",\"bold\":true},{\"text\":\" 0.8\"}]}]}]}]}]},{\"type\":\"p\",\"children\":[{\"text\":\"Xtools Legislative data for Division 296 was quietly updated along with \"},{\"type\":\"a\",\"url\":\"https:\\\/\\\/community.iress.com\\\/ic\\\/discussion\\\/102792\\\/xplan-leg-rates-2026-27-budget-medicare-levy-low-income-thresholds?utm_source=community-search&utm_medium=organic-search&utm_term=Xplan+Leg+Rates+2026-27+Budget%3A+Medicare+Levy+Low+Income+Thresholds.\",\"children\":[{\"text\":\"Xplan Leg Rates 2026-27 Budget: Medicare Levy Low Income Thresholds.\",\"bold\":true}]},{\"text\":\"\"}]},{\"type\":\"h2\",\"children\":[{\"text\":\"Thresholds and earnings calculations\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"You have full visibility over your clients' Division 296 tax projections. The system automatically calculates total earnings and tracks them against legislative thresholds.\"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Project thresholds:\",\"bold\":true},{\"text\":\" You can view the primary $3 million and secondary $10 million thresholds on the Rates and Thresholds page in Xtools+. These index automatically to the November Consumer Price Index using $150,000 and $500,000 increments.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Calculate total earnings:\",\"bold\":true},{\"text\":\" We automatically calculate total earnings across all accumulation super and account-based pension accounts. The system applies the prescribed adjustment factors for large APRA funds to capital gains earnings. Note that the super projections in the Xtools generally make the \"},{\"text\":\"conservative assumption that the ⅓ capital gains discount does not apply\",\"bold\":true},{\"text\":\", as assets have not been held for at least 12 months. \"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Identify liability dates:\",\"bold\":true},{\"text\":\" You can track exactly when your clients become liable for the tax.\"}]}]}]},{\"type\":\"h2\",\"children\":[{\"text\":\"Limits and Thresholds Display\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"You can see details of the Division 296 calculations at the bottom of the Limits and Thresholds Display page at Display > Individual > Super > Client > Limits and Thresholds. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The hyperlink shown below the header shows you the financial year in which we calculate your client first becomes liable for the tax, as well as the option applied regarding payment of the tax. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The calculations apply the \"},{\"text\":\"“higher of” rule for total super balance\",\"bold\":true},{\"text\":\", which prevents individuals from making large temporary withdrawals just before June 30 to dodge the tax. This includes th\"},{\"text\":\"e special transitional rule for 2026\\\/27,\",\"bold\":true},{\"text\":\" which uses only the closing total super balance for that financial year.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"In Xtools+, the \"},{\"text\":\"\\\"prescribed adjustment factors\\\" for Large APRA Funds \",\"bold\":true},{\"text\":\"are applied to Superfund 1 and Superfund 2 in the row > Percentage Assessable for Retail Funds. Note that when you override the 100% percentage of capital gains that are generally assessable for Retail Taxed Super funds, this is applied before the prescribed adjustment factors.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/XWXYE0NT63S6\\\/image-9986d0374a1358-5b71.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/XWXYE0NT63S6\\\/image-9986d0374a1358-5b71.png\",\"name\":\"image-9986d0374a1358-5b71.png\",\"type\":\"image\\\/png\",\"size\":661039,\"width\":2048,\"height\":924,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FXWXYE0NT63S6%2Fimage-9986d0374a1358-5b71.png\",\"active\":true,\"mediaID\":18871,\"dateInserted\":\"2026-06-25T22:42:22+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"h2\",\"children\":[{\"text\":\"Controlling cashflow and release from super\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"You can control exactly how the tax impacts your client's projected balances. \"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Timing:\",\"bold\":true},{\"text\":\" The system calculates the tax from 1 July 2026 and includes the first Div 296 liability in projections at the end of the 2026\\\/27 financial year.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Included as an expense:\",\"bold\":true},{\"text\":\" By default, the system includes the calculated tax in your client's cashflow as an expense.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Release from super:\",\"bold\":true},{\"text\":\" You have the option to fund the tax liability directly from the projected balance of Superfund 1, Superfund 2 (including Untaxed) or SMSF accumulation accounts. You can choose prorata, which apportions the tax according to total super balance or to select one particular fund for it to be deducted from first. You cannot show the tax being deducted from account-based pension accounts.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Adjust settings:\",\"bold\":true},{\"text\":\" You can manage these deduction settings by clicking the popup hyperlink at Individual> Input > Super > Client\\\/Partner > EOP Transactions > Release of Tax, as shown below:\"}]}]}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/RPG1FN0NXAMY\\\/image-cf6101f80ba3a8-1e62.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/RPG1FN0NXAMY\\\/image-cf6101f80ba3a8-1e62.png\",\"name\":\"image-cf6101f80ba3a8-1e62.png\",\"type\":\"image\\\/png\",\"size\":270204,\"width\":1702,\"height\":1083,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FRPG1FN0NXAMY%2Fimage-cf6101f80ba3a8-1e62.png\",\"active\":true,\"mediaID\":18872,\"dateInserted\":\"2026-06-25T22:42:50+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"p\",\"children\":[{\"text\":\"You can also change the settings from many other pages, including: \"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Input > Individual > Superannuation > Client\\\/Partner > Regular CCs > Taxes\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Display > Individual > Cashflow > Cashflow Consolidated \"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Display > Individual > Cashflow > Taxation\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Display > Individual > Superannuation > Client\\\/Partner > Limits & Thresholds\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Display > SMSF > Cashflow > Cashflow Consolidated \"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Display > SMSF > Assets > Working Cash Account\"}]}]}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/UQVTQQ0UXANP\\\/image-0965ba8832e348-b4e9.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/UQVTQQ0UXANP\\\/image-0965ba8832e348-b4e9.png\",\"name\":\"image-0965ba8832e348-b4e9.png\",\"type\":\"image\\\/png\",\"size\":273053,\"width\":1933,\"height\":925,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FUQVTQQ0UXANP%2Fimage-0965ba8832e348-b4e9.png\",\"active\":true,\"mediaID\":18873,\"dateInserted\":\"2026-06-25T22:43:07+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"h2\",\"children\":[{\"text\":\"Impact on Total Super Balance\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"Total Super Balance is calculated at the top of Display> Individual > Superannuation > Client\\\/Partner > Limits & Thresholds. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"As noted earlier, the system includes the Div 296 liability in projections at the end of the applicable financial year and deducts it from cashflow by default.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"When you set the Div 296 to be paid from superannuation, the release amounts are added back to the calculated Total Super Balance, so the Div 296 tax calculations in the next year is based on a realistic balance.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/DCK1PDD5DC6V\\\/image-11cfce1efdeb08-4166.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/DCK1PDD5DC6V\\\/image-11cfce1efdeb08-4166.png\",\"name\":\"image-11cfce1efdeb08-4166.png\",\"type\":\"image\\\/png\",\"size\":251072,\"width\":2048,\"height\":470,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FDCK1PDD5DC6V%2Fimage-11cfce1efdeb08-4166.png\",\"active\":true,\"mediaID\":18874,\"dateInserted\":\"2026-06-25T22:43:26+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"h2\",\"children\":[{\"text\":\"Applying exemptions and exclusions\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"You can tailor the calculations to fit your clients' unique circumstances and switch off the tax entirely for specific accounts.\"}]},{\"type\":\"h3\",\"children\":[{\"text\":\"Turn off the tax \",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"You can use a toggle to turn off the tax completely for clients who are exempt, such as those holding a \"},{\"text\":\"child allocated pension\",\"bold\":true},{\"text\":\" or who have received a \"},{\"text\":\"structured settlement\",\"bold\":true},{\"text\":\" and made a personal injury contribution.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"To turn off the tax, set Div 296 Tax Applies to No. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"This input can be accessed in the various screens noted above under Controlling cashflow and deductions. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Below we see the screen for Input > Individual > Super > Client > Regular CCs.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/LLAXTNCBTN2Q\\\/image-d0b26cb00fad78-d348.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/LLAXTNCBTN2Q\\\/image-d0b26cb00fad78-d348.png\",\"name\":\"image-d0b26cb00fad78-d348.png\",\"type\":\"image\\\/png\",\"size\":104827,\"width\":787,\"height\":640,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FLLAXTNCBTN2Q%2Fimage-d0b26cb00fad78-d348.png\",\"active\":true,\"mediaID\":18875,\"dateInserted\":\"2026-06-25T22:44:09+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"h3\",\"children\":[{\"text\":\"Exclude untaxed earnings for state higher level office holders\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"If your client is a state higher level office holder with an untaxed fund, you can apply special Division 296 treatment to exclude the earnings from the untaxed fund from the calculation of Division 296 tax. Note that the balance of the Untaxed Fund will still be included when calculating Total Superannuation Balance for the Division 296 calculations.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"You can find the setting at Input > Super > Client\\\/Partner > Accounts under the heading for the Superfund 2, provided the Plan Type is set to Untaxed. To apply the setting, set it to Yes.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/4PSHUD742C4R\\\/image-5a7f01ebc691d8-3e82.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/4PSHUD742C4R\\\/image-5a7f01ebc691d8-3e82.png\",\"name\":\"image-5a7f01ebc691d8-3e82.png\",\"type\":\"image\\\/png\",\"size\":88468,\"width\":1386,\"height\":429,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2F4PSHUD742C4R%2Fimage-5a7f01ebc691d8-3e82.png\",\"active\":true,\"mediaID\":18876,\"dateInserted\":\"2026-06-25T22:45:32+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"h2\",\"children\":[{\"text\":\"The SMSF Cost Base Reset Election \",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"The \\\"cost base reset\\\" is a transitional mechanism designed to ensure that the Division 296 tax only applies to SMSF capital gains made \"},{\"text\":\"after 1 July 2026\",\"bold\":true},{\"text\":\". For Division 296 purposes only, a SMSF trustee can choose to treat the \\\"cost\\\" of an asset as its \"},{\"text\":\"Market Value on 30 June 2026\",\"bold\":true},{\"text\":\". If you make the election, it applies to \"},{\"text\":\"every CGT asset\",\"bold\":true},{\"text\":\" held by the fund on 30 June 2026 (shares, property, etc.). The election must be made with the fund's \"},{\"text\":\"2026–27 tax return\",\"bold\":true},{\"text\":\".\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"A Cost Base Reset setting has been included in Xtools+ so you can evaluate the impact of making the election, or not. The setting is accessible from the new SMSF Key Details screen shown below. \"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/Q1PQN2KU85IU\\\/image-ba06a0ec37e36-ebcf.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/Q1PQN2KU85IU\\\/image-ba06a0ec37e36-ebcf.png\",\"name\":\"image-ba06a0ec37e36-ebcf.png\",\"type\":\"image\\\/png\",\"size\":34482,\"width\":858,\"height\":241,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FQ1PQN2KU85IU%2Fimage-ba06a0ec37e36-ebcf.png\",\"active\":true,\"mediaID\":18877,\"dateInserted\":\"2026-06-25T22:45:50+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"p\",\"children\":[{\"text\":\"The setting is also accessible from Input > SMSF Admin > Assets Financial Holdings AND > Property.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/MMJM75Y6WY1J\\\/image-d45f398a723b78-c008.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/MMJM75Y6WY1J\\\/image-d45f398a723b78-c008.png\",\"name\":\"image-d45f398a723b78-c008.png\",\"type\":\"image\\\/png\",\"size\":62968,\"width\":1018,\"height\":391,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FMMJM75Y6WY1J%2Fimage-d45f398a723b78-c008.png\",\"active\":true,\"mediaID\":18878,\"dateInserted\":\"2026-06-25T22:46:00+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"p\",\"children\":[{\"text\":\"For projections starting on or before 1 July 2026, the system automatically calculates the 1 July 2026 cost base using your clients' SMSF asset balances. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"For projections starting after 1 July 2026, you can manually enter the specific Division 296 cost base for each individual SMSF asset or property.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The input for the cost base reset election can also be accessed in most of the screens and pop-ups noted above under Controlling cashflow and deductions. \"}]},{\"type\":\"h2\",\"children\":[{\"text\":\"Detailed calculations for SMSF Division 296 earnings\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"You can see the apportionment of SMSF Division 296 earnings as well as the Division 296 capital gains tax calculations at the bottom of the SMSF Taxation Display i.e. Display > SMSF Admin > Cashflow > Taxation. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"SMSF Division 296 earnings are apportioned using its account balances after all of the SOP transactions.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Below we see an example where the Cost Base Reset election has been applied. The general capital gains tax calculation for the SMSF is shown under Income.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/RHGFWQADOFLY\\\/image-b5b976f1605278-40a2.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/RHGFWQADOFLY\\\/image-b5b976f1605278-40a2.png\",\"name\":\"image-b5b976f1605278-40a2.png\",\"type\":\"image\\\/png\",\"size\":99576,\"width\":1243,\"height\":513,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FRHGFWQADOFLY%2Fimage-b5b976f1605278-40a2.png\",\"active\":true,\"mediaID\":18879,\"dateInserted\":\"2026-06-25T22:46:24+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"p\",\"children\":[{\"text\":\"The capital gains portion of the SMSF Division 296 earnings are calculated differently using the 1 July 2026 asset balances as a cost base when the cost base reset election has been applied. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"In this example we can see the special treatment of Division 296 capital losses. The Explanatory Memorandum to Treasury Laws Amendment (Building a Stronger and Fairer Super System) Bill 2026 noted that: \"}]},{\"type\":\"blockquote\",\"children\":[{\"type\":\"blockquote-line\",\"children\":[{\"text\":\"“The additional use of capital losses only applies to the calculation of the net capital gain for Division 296 purposes for that income year. In other words, in the following income year, the fund will still have available its usual balance of carried forward capital losses to be applied in working out its net capital gain, including for Division 296 purposes”. \",\"italic\":true}]}]},{\"type\":\"p\",\"children\":[{\"text\":\"Therefore in this case, the Division 296 capital loss realised in 2026\\\/27 ($100,070) can only be used to offset Division 296 capital gains in the same financial year. Since no other Division 296 capital gains were realised in that financial year to use it up, the $100,070 remains unused and cannot be carried forward. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"When the SMSF realises a Division 296 capital gain in 2027\\\/28, the usual balance of carried forward capital losses (the general capital loss of $200,070, realised in 2026\\\/27) offsets the Division 296 capital gain. \"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/DX24JEP4KHIY\\\/image-74c6a3749b72b-51c9.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/DX24JEP4KHIY\\\/image-74c6a3749b72b-51c9.png\",\"name\":\"image-74c6a3749b72b-51c9.png\",\"type\":\"image\\\/png\",\"size\":149978,\"width\":1261,\"height\":843,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FDX24JEP4KHIY%2Fimage-74c6a3749b72b-51c9.png\",\"active\":true,\"mediaID\":18880,\"dateInserted\":\"2026-06-25T22:47:08+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"h2\",\"children\":[{\"text\":\"Deciding whether to apply the Cost Base Reset Election\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"You can see how the SMSF Division 296 earnings affect the individual’s Division 296 liability at Display > Individual > Superannuation > Client\\\/Partner > Limits & Thresholds. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"In the following case we see that Income earnings included from the Perfect Super SMSF starts from $65,987 in 2026\\\/27 and the capital gains assessed are generally Nil, except for 2027\\\/28, when capital gains of $968,150 are included and Bob’s Division 296 tax liability increases from $6,787 in 2026\\\/27 to $106,474 in 2027\\\/28.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/77MG0ULE4F3L\\\/image-0eec59ac784908-2766.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/77MG0ULE4F3L\\\/image-0eec59ac784908-2766.png\",\"name\":\"image-0eec59ac784908-2766.png\",\"type\":\"image\\\/png\",\"size\":153051,\"width\":1288,\"height\":595,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2F77MG0ULE4F3L%2Fimage-0eec59ac784908-2766.png\",\"active\":true,\"mediaID\":18881,\"dateInserted\":\"2026-06-25T22:47:21+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"p\",\"children\":[{\"text\":\"You can click the hyperlink below the Div 296 heading to toggle the Cost Base Reset option or deduct the tax from Super. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"When we turn off the Cost Base Reset election, the capital gain for 2027\\\/28 increases to $2,043,633 and Bob’s Division 296 tax increases to $217, 086.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/B76ACP5KNAAH\\\/image-c93ed9d1f364b-6cef.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/B76ACP5KNAAH\\\/image-c93ed9d1f364b-6cef.png\",\"name\":\"image-c93ed9d1f364b-6cef.png\",\"type\":\"image\\\/png\",\"size\":162535,\"width\":1413,\"height\":616,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FB76ACP5KNAAH%2Fimage-c93ed9d1f364b-6cef.png\",\"active\":true,\"mediaID\":18882,\"dateInserted\":\"2026-06-25T22:47:32+00:00\",\"insertUserID\":24557,\"foreignType\":\"embed\",\"foreignID\":\"24557\",\"embedType\":\"image\"}},{\"type\":\"h2\",\"children\":[{\"text\":\"Xmerge Codes\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"You can code your documents to include \"},{\"text\":\"Division 296 \",\"italic\":true},{\"text\":\"recommendations and outputs by using the \"},{\"text\":\"Xmerge Codes\",\"italic\":true},{\"text\":\" available for these new features. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The codes are collated in the \"},{\"type\":\"a\",\"url\":\"https:\\\/\\\/community.iress.com\\\/ic\\\/discussion\\\/102929\\\/calm-division-296-xmerge-codes\",\"target\":\"_blank\",\"children\":[{\"text\":\"Xmerge Library.\",\"bold\":true}]},{\"text\":\"\"}]},{\"type\":\"h2\",\"children\":[{\"text\":\"Future updates\",\"bold\":true}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Refined calculations: \",\"bold\":true},{\"text\":\"These will incorporate the treatment of defined benefit interests, following clarification on family law valuation factors.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Whole of Wealth reporting:\",\"bold\":true},{\"text\":\" New capabilities to compare tax outcomes across different entities will be introduced.\"}]}]}]},{\"type\":\"h2\",\"children\":[{\"text\":\"Sharing your feedback \",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"We are committed to developing tools that align with your workflow and highly value your insights.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Should you have any questions about this Xtools+\"},{\"italic\":true,\"text\":\" \"},{\"text\":\"update, please don't hesitate to reach out to us. You can contact our Help Desk at 1300 1300 69, speak directly with your Relationship Manager, or use \"},{\"type\":\"a\",\"url\":\"https:\\\/\\\/iress-connect.atlassian.net\\\/servicedesk\\\/customer\\\/portals\",\"target\":\"_blank\",\"children\":[{\"text\":\"Xtools Connect\",\"bold\":true}]},{\"text\":\".\\n\\n🔔 Select the Division 296 tag below and click the 'Follow' button to be notified of future updates.\",\"bold\":true}]}]","format":"rich2","dateInserted":"2026-06-25T22:49:26+00:00","insertUser":{"userID":2808,"name":"lana.graham","url":"https:\/\/community.iress.com\/ic\/profile\/lana.graham","photoUrl":"https:\/\/us.v-cdn.net\/6038637\/uploads\/userpics\/7PVND6864CTT\/nI8MV9OUW9YAQ.jpg","dateLastActive":"2026-07-22T05:26:44+00:00","banned":0,"punished":0,"private":false,"label":"staff","labelHtml":"staff","rankID":100},"displayOptions":{"showUserLabel":false,"showCompactUserInfo":true,"showDiscussionLink":true,"showPostLink":true,"showCategoryLink":false,"renderFullContent":false,"expandByDefault":false},"url":"https:\/\/community.iress.com\/ic\/discussion\/102931\/xtools-division-296-release-information-and-user-guide","embedType":"quote","name":"Xtools+ Division 296: Release information and user guide","embedStyle":"rich_embed_card"}"> https://community.iress.com/ic/discussion/102931/xtools-division-296-release-information-and-user-guide

🤓 Xplan Hint: Other SMSF members

courtney.youngblutt — Sat, 25 Jul 2026 01:33:24 +0000

Wondering how to enter details for other SMSF members? We’ve made it easier and more intuitive.
Financial planners and paraplanners told us that navigating around to find inputs for additional SMSF members was clunky. This change optimises the navigation so you can manage all of the inputs for Other SMSF members from a single area without any screen-hopping.
The inputs for 'Other' members are now located in two dedicated screens within the SMSF Admin section:
To update Other member balances, navigate to Input > SMSF Admin > Key Details.
To manage Other member contributions, navigate to Input > SMSF Admin > Cashflow > Other Member Contributions.
Release information and user guide

🤓 Xplan Hint: Tracking Super Contributions

andrew.wilson.0 — Mon, 01 Dec 2025 04:37:44 +0000

Did you know that there is an element that summarises Super Contributions. It gives you a clear and consolidated view of your client's superannuation contributions, making tracking and compliance easier than ever.

Key Features at a Glance
Tracking: The element calculates the total sum of concessional (CCs) and non-concessional contributions (NCCs) for each financial year.
Historical Data: Contribution tracking starts from the 2018/2019 financial year onwards.
How the Data is Calculated
The contribution figures are calculated based on the data entered in the Contributions tab within the superannuation plans.

Flexibility and Compliance Details
Manual Overrides: You have the option to manually override the calculated figures for both CCs and NCCs if needed. This is done via the Edit screen for the specific financial year. While in the Edit screen you can also capture:
Total Super Balance (TSB)
Refunded Excess CCs
Refunded Excess NCCs

Notes and Document linking
You can link a Note to easily consolidate all relevant documents/statements for each financial year's contributions in one place, which helps keep all relevant information organized.

Xtools/Xtools+ Contribution Cap Calculations
From Xplan version 25.11.466, the Contribution Summary element in Client Focus now automatically calculates your client's Personal Concessional and Non Concessional Cap data. And you can import data to the following Xtools: Xtools+, Optimiser, Retirement Funding, TTRAP, Lifestyle Goals.
Cap Calculations
Xplan calculates your client's Personal Concessional and Non-Concessional Cap data by leveraging the existing Contribution Summary information.
Concessional Contributions (CCs): The system will calculate your client's unused and used concessional cap for each financial year, using previous eligibility for the carry-forward rule.
Non-Concessional Contributions (NCCs): The system will determine the financial year in which your client has triggered the bring-forward rule.
If you can't see the Contribution Summary on your Xplan site, reach out to your site administrator to have it added to the interface.
💡 For more information refer to this Community article

🤓 Xplan Hint: Relocated Minimum Balance on Reboot

courtney.youngblutt — Sun, 14 Jun 2026 20:25:20 +0000

Did you know the "Minimum Balance on Reboot" setting has been moved out of the "Other Transactions" menu and into the Pension pop-up and EOP Transactions Input screen where it belongs?
Why? Finding this setting used to feel like a game of hide-and-seek. It was buried deep in the menu tree, which added unnecessary friction to what should be a simple step. It’s now been relocated to the Pension input pop-up and the EOP Transactions screen to match the way most people actually build their strategies.
How? Open your Pension input pop-up or the EOP Pension Reboot tab. You can now set the Minimum Balance, choose an indexation rate (the default is 0%), and even set a specific end date for that balance. You also have the option to trigger a "Retirement Sweep" to clear the account to zero once the minimum balance is no longer needed.
Link: https://community.iress.com/ic/discussion/102638/xtools-super-pension-strategies-revisited-release-information
💡Tip If you are modelling a reboot strategy, you can also use the Minimum Balance feature to manage ongoing insurance premiums. Set the Minimum Balance to cover the expected premiums and index it to match. This ensures the fund stays open and funded without you having to manually calculate the retention amount every year. If you’re not modelling a reboot, you can use the Regular Rollovers feature to keep sufficient funds for the insurance premiums.
Does having this in the Pension pop-up save you a few clicks in your daily workflow?

🤓 Xplan Hint: Compare Xtools+ Scenarios

andrew.wilson.0 — Tue, 09 Sep 2025 05:26:53 +0000

Did you know you can visually compare multiple Xtools+ scenarios side-by-side using the Compare Charts function?
When presenting financial strategies, viewing the potential outcomes of different options is key to help make informed decisions. The Xtools+ Compare Charts function is a powerful tool designed for exactly this. Instead of switching between individual scenarios, you can generate a single set of charts that visually contrast the projections, making the impact of your advice immediately clear.
This feature allows you to select any of your Xtools+ (CALM) scenarios and view their projected outcomes, like Net Assets, Cashflow, or Asset Allocation, on the same graph. It’s perfect for viewing 'current position' versus a 'recommended strategy,' or for comparing two different strategic options. By presenting the data this way, you create a compelling and easy to understand narrative for your clients, helping them clearly see the long-term benefits of your recommendations. It simplifies complex information and brings your advice to life in a tangible way.
How to Compare Charts
Navigate to CALM: For your chosen client, go to XTOOLS > XTOOLS+ > CALM. This will show you the list of existing scenarios.
Select Compare Chart: At the top of the list of scenarios, click the Compare Chart button.
Choose the chart you wish to compare: From the left hand menu select the chart you wish to compare
Choose Scenarios: Simply tick the boxes next to the scenarios you wish to compare.
Compare: Click the Compare button.
View Results: The comparison chart is now visible. You can change to other charts by selecting them from the navigation menu on the left.

References
Iress Community - Xtools+
Iress Community - Xtools+ Compare Chart Xmerge

🤓 Xplan Hint: Automated regular rollovers between super accounts

courtney.youngblutt — Wed, 06 May 2026 21:03:52 +0000

Did you know you can now set up automated regular rollovers between super accounts to maintain a specific target balance in Xtools+?
Modelling regular transfers between super accounts used to be quite clunky, requiring you to enter dollar amounts for every single period of a projection. This new feature acts as an automated sweep. It is particularly useful for strategies like the "insurance premium shield," where you want to keep just enough in a secondary fund to cover premiums (e.g. $10,000) while automatically rolling out the surplus at the end of every year.

How?
🚀 Navigate to the Input > Individual > Super > Client/Partner > End of Period (EOP) Transactions screen in Xtools+.
🚀 Select the Regular Rollover tab.
🚀 Set your predefined Target Balance and choose the indexation rate.
🚀 Select the source fund and the primary wealth accumulation vehicle you want to funnel the excess into.

The software will then automatically adjust the rollover amount each year to ensure your target is met while sweeping the rest!

💡 You can use this same logic to manage pension reboots from an untaxed fund. By setting a regular rollover to sweep funds from an untaxed account into a taxed fund (like Superfund 1 or an SMSF) just before the reboot occurs, the pension will pick up those rolled-in funds automatically. It saves you from jumping between screens or doing the manual tax maths yourself.
https:\/\/us.v-cdn.net\/6038637\/uploads\/P4ZQFKB53W3D\/istock-1372988836-iress-tech.jpg<\/a><\/p>
Recently, adviser and former paraplanning manager John Harris shared his feedback after testing our July 2025 Reinvented Super & Pension modelling<\/strong><\/a> release with a complex, \"meaty\" strategy. His verdict? The ability to model a second super account and manage complex rollbacks and contributions is \"1,000% better over previous versions\".<\/p>
However, we also heard loud and clear that the front-end experience added unnecessary 'cognitive load' and workflow friction that got in the way of that strategic power.<\/p>
This Revisited<\/em> update focuses on removing that friction while preserving the strategic power of the engine. Here is a look at the features and UI improvements coming your way, aligned with how you build your strategies.<\/p>
Many of the developments aim to put an end to the 'treasure hunt' for critical settings. We have surfaced buried features and simplified navigation to accelerate your modelling. <\/p>
<\/p>
🚀 Release<\/strong><\/h2>
This update was released Thursday 23 April 2026.<\/strong><\/p>
<\/strong><\/p>
🔎 Contents<\/strong><\/h2>Smarter regular transaction menus<\/a><\/li>
Updated defaults and scenario locking<\/a><\/li>
A new slider replaces the 10-year dropdown<\/a><\/li>
Easier key date modelling<\/a><\/li>
More visible, unified FHSSS & Downsizer options at SOP transactions<\/a><\/li>
Pop-up improvements to end the ‘memory test’<\/a><\/li>
Consolidate super in one screen<\/a><\/li>
Real-world timing for EOP (End of Period) transactions<\/a><\/li>
✨ <\/strong>NEW <\/strong>✨ Automated regular rollovers<\/a><\/li>
No more treasure hunts: Minimum Balance on Reboot is where it belongs<\/a><\/li>
Simplifying pension reboot to an untaxed fund<\/a><\/li>
Get started with Xmerge codes<\/a><\/li>
Share your feedback<\/a><\/li><\/ul>
<\/p>
🛠️ What’s changed?<\/strong><\/h2>Smarter Regular Transaction menus<\/strong><\/h3>
We have removed a header level to provide easier access to Regular Transactions<\/em>. <\/p>
Additionally, the Include in Deficit Allocation<\/em> option has been moved to the Accounts<\/em> tab where it belongs. <\/li>
The confusing View Betty’s<\/em> links are now renamed to Edit Betty’s<\/em> and consistently placed on the right.<\/li>
Pension reboot has moved to the Pension Pop-Up<\/em> and the new EOP Transactions Input<\/em> screen (further information below).<\/li><\/ul>https:\/\/us.v-cdn.net\/6038637\/uploads\/0LMMXH7TNI7S\/image-016f9f5e514da8-4f1b.png<\/a><\/p>
<\/p>
Updated defaults and scenario locking<\/strong><\/h3>
We've updated several default settings to better match the most common user patterns, reducing the need for you to adjust them manually.<\/p>
Working Cash Account (WCA) interest rates:<\/strong> The default interest rate for the WCA, for both Individual<\/em> and SMSF accounts<\/em>, is also changing to 0%<\/strong>. Previously, this was set equal to the return for the first Cash asset in your system settings, which was not always optimal.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/KM5JG5DVFSEA\/image-8a1fb6e12f22e8-3ec6.png<\/a><\/p>
Regular Super Contribution indexation:<\/strong> The default indexation rate for both Concessional<\/em> and Non-Concessional Contributions<\/em> (NCC) is now 0%<\/strong>. This replaces the previous default of Salary Inflation<\/em>, which users often changed.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/IS0RJDR9MDFF\/image-afd7474d247e68-c8cf.png<\/a><\/p>
Lock Your Scenarios<\/strong><\/p>
As previously noted, if any of your existing scenarios are still using the old<\/em> system defaults, you must lock your scenarios before close of business 23 April 2026<\/strong> to prevent the values in those scenarios from being reset to zero.<\/p><\/div><\/div>
https:\/\/us.v-cdn.net\/6038637\/uploads\/PT1N9QPUS40U\/image-5bc7344c79fbe-ae2c.png<\/a><\/p>
A new slider replaces the 10-year dropdown <\/strong><\/h3>
The previous 10-year dropdown caused user confusion, as it mistakenly suggested that inputs were limited to a 10-year period, when its actual function was to simply display any selected 10-year period.<\/p>
To resolve this, we've removed the 10-year dropdown entirely from the Pop-ups<\/strong>, SOP Transactions<\/strong>, and Regular Transactions<\/strong> screens and. It has been replaced with a dynamic slider, offering users seamless visibility into the future.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/HARIBGTG4OB5\/image-5d884934c49a8-a292.png<\/a><\/p>
<\/p>
Easier key date modelling <\/strong><\/h3>
We've added date hyperlinks directly in the Start of Period<\/em> (SOP) (and new End of Period,<\/em> or EOP<\/em>) screens so you can instantly change projection settings without navigating away.<\/p>
In the example below, you can see we’ve used the hyperlink to add a key date for Buy a Home.<\/em><\/strong>Part-year start dates and key dates are now more visible. They have been integrated directly into the table projection headers on the SOP<\/em> transaction screen and within pop-ups.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/F0W07IHSY31O\/image-35d9507797f538-34c4.png<\/a><\/p>
<\/p>
More visible, unified FHSSS and Downsizer options at SOP transactions<\/strong><\/h3>
We've made it easier to find the First Home Super Saver Scheme <\/em>(FHSSS) and Downsizer<\/em> options by renaming the relevant tabs in the <\/strong>SOP Transactions<\/em> menu to be more specific and detailed.<\/p>
Additionally, you can now view and enter data for both the client and their partner from a single, prominent popup for either the Downsizer<\/em> or FHSSS<\/em>, which significantly reduces the number of clicks required.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/FEJDLD4BLTYF\/image-3c82a74bd8a438-3647.png<\/a><\/p>
Better First Home Super Saver Scheme (FHSSS) modelling<\/h4>
Now, you can see more details for FHSSS<\/em> on the screen and if you need to enter current balance data or model a property purchase and FHSSS<\/em> release, you can click the hyperlinks to do so.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/P29DAFRTHMTX\/image-79870362790c88-1bf2.png<\/a><\/p>
Easier Downsizer Contributions<\/h4>
You can also see more details for Downsizer Contributions<\/em> on the screen and if you need to link the Property<\/em> or model its Disposal<\/em>, you can click the hyperlinks to do so.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/8HC08Q4JYJX9\/image-42a6edc4f3ec3-8c79.png<\/a><\/p>
Concessional Cap remaining now shown in SOP Transactions<\/h4>
Concessional Contributions<\/em> (CCs) are now conveniently displayed at the bottom of the SOP Display<\/em>, above the Non Concessional Cap<\/em> data. <\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/AWIVFX2G7C45\/image-d552589d93e8b8-fd75.png<\/a><\/p>
<\/p>
Pop-up improvements to end the ‘memory test’<\/h3>
We heard your frustration about having to memorise balances and caps before opening a pop-up window. We’ve fixed this by bringing the context directly inside the window.<\/p>
Live contextual data:<\/strong> Pop-ups now display up to three live data points at the top (below the date header) and three at the bottom (below the total). Here are some examples of how these changes have been applied:<\/p>
\n \n

🤓 Xplan Hint: Xtools+ Super & Pension Strategies revisited

courtney.youngblutt — Fri, 01 May 2026 02:09:18 +0000

Did you know we just released some awesome updates to Super & Pension modelling in Xtools+?
It’s no secret that our Product Manager, Lana Graham, is obsessed with ensuring paraplanners have access to the best modelling tools in our industry. And one of the ways she does this is by staying close to those using the tools and actually acting on their feedback.
The most recent evidence of this is the launch of our Xtools+ Super and Pension "Revisited" updates, designed to slash cognitive load and eliminate the "treasure hunt" for key settings. While the July 2025 release delivered many strategic wins, this update focuses on the user experience, introducing a cleaner UI, smarter transaction menus, and dynamic sliders to replace clunky dropdowns.
Strategic New Features
One-Screen Super Consolidation: Roll over multiple existing super funds (including SMSF and Untaxed funds) into a single account in one step, bypassing the need for manual "transfer account" steps.
Automated Regular Rollovers: Set "Target Balances" for specific funds. The system acts as an automated sweep, moving surplus funds to primary accounts while retaining exactly what is needed for strategies like insurance premium shields.
End of Period (EOP) Transactions Screen: A dedicated new hub for actions occurring at the end of the financial year, such as personal deductible contribution top-ups and spouse super splitting.
Untaxed Fund Reboot Strategy: A new seamless workflow to model pension reboots from untaxed funds by combining regular rollovers with the reboot tool.
Workflow & UI Enhancements
Dynamic Sliders: A new slider replaces the confusing "10-year dropdown," allowing for seamless visibility throughout the entire projection period.
Contextual Pop-ups: Live data points (balances and caps) are now displayed directly inside input windows, eliminating the "memory test" of having to remember figures from the previous screen.
Smarter Navigation: * Date Hyperlinks: Change projection settings and key dates (e.g., "Buy a Home") directly from the transaction screens.
Unified FHSSS & Downsizer Menus: More visible, detailed options that allow data entry for both partners from a single screen.
Visibility Upgrades: Concessional Cap data is now shown directly at the bottom of Start of Period (SOP) displays.
Updated Defaults
Working Cash Account (WCA): Default interest rate changed to 0%.
Contribution Indexation: Default indexation for both Concessional and Non-Concessional contributions changed to 0%.
🌟⤵️Give a huge shoutout to Lana below if any of the items on your feedback list made this round of updates! ⤵️🌟
https:\/\/us.v-cdn.net\/6038637\/uploads\/P4ZQFKB53W3D\/istock-1372988836-iress-tech.jpg<\/a><\/p>
Recently, adviser and former paraplanning manager John Harris shared his feedback after testing our July 2025 Reinvented Super & Pension modelling<\/strong><\/a> release with a complex, \"meaty\" strategy. His verdict? The ability to model a second super account and manage complex rollbacks and contributions is \"1,000% better over previous versions\".<\/p>
However, we also heard loud and clear that the front-end experience added unnecessary 'cognitive load' and workflow friction that got in the way of that strategic power.<\/p>
This Revisited<\/em> update focuses on removing that friction while preserving the strategic power of the engine. Here is a look at the features and UI improvements coming your way, aligned with how you build your strategies.<\/p>
Many of the developments aim to put an end to the 'treasure hunt' for critical settings. We have surfaced buried features and simplified navigation to accelerate your modelling. <\/p>
<\/p>
🚀 When will it be released?<\/strong><\/h2>
Updates will be made live after close of business Thursday 23 April 2026.<\/strong><\/p>
<\/strong><\/p>
🔎 Contents<\/strong><\/h2>Smarter regular transaction menus<\/a><\/li>
Updated defaults and scenario locking<\/a><\/li>
A new slider replaces the 10-year dropdown<\/a><\/li>
Easier key date modelling<\/a><\/li>
More visible, unified FHSSS & Downsizer options at SOP transactions<\/a><\/li>
Pop-up improvements to end the ‘memory test’<\/a><\/li>
Consolidate super in one screen<\/a><\/li>
Real-world timing for EOP (End of Period) transactions<\/a><\/li>
✨ <\/strong>NEW <\/strong>✨ Automated regular rollovers<\/a><\/li>
No more treasure hunts: Minimum Balance on Reboot is where it belongs<\/a><\/li>
Simplifying pension reboot to an untaxed fund<\/a><\/li>
Get started with Xmerge codes<\/a><\/li>
Share your feedback<\/a><\/li><\/ul>
<\/p>
🛠️ What’s changed?<\/strong><\/h2>Smarter Regular Transaction menus<\/strong><\/h3>
We have removed a header level to provide easier access to Regular Transactions<\/em>. <\/p>
Additionally, the Include in Deficit Allocation<\/em> option has been moved to the Accounts<\/em> tab where it belongs. <\/li>
The confusing View Betty’s<\/em> links are now renamed to Edit Betty’s<\/em> and consistently placed on the right.<\/li>
Pension reboot has moved to the Pension Pop-Up<\/em> and the new EOP Transactions Input<\/em> screen (further information below).<\/li><\/ul>https:\/\/us.v-cdn.net\/6038637\/uploads\/0LMMXH7TNI7S\/image-016f9f5e514da8-4f1b.png<\/a><\/p>
<\/p>
Updated defaults and scenario locking<\/strong><\/h3>
We've updated several default settings to better match the most common user patterns, reducing the need for you to adjust them manually.<\/p>
Working Cash Account (WCA) interest rates:<\/strong> The default interest rate for the WCA, for both Individual<\/em> and SMSF accounts<\/em>, is also changing to 0%<\/strong>. Previously, this was set equal to the return for the first Cash asset in your system settings, which was not always optimal.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/KM5JG5DVFSEA\/image-8a1fb6e12f22e8-3ec6.png<\/a><\/p>
Regular Super Contribution indexation:<\/strong> The default indexation rate for both Concessional<\/em> and Non-Concessional Contributions<\/em> (NCC) is now 0%<\/strong>. This replaces the previous default of Salary Inflation<\/em>, which users often changed.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/IS0RJDR9MDFF\/image-afd7474d247e68-c8cf.png<\/a><\/p>
Lock Your Scenarios<\/strong><\/p>
As previously noted, if any of your existing scenarios are still using the old<\/em> system defaults, you must lock your scenarios before close of business 23 April 2026<\/strong> to prevent the values in those scenarios from being reset to zero.<\/p><\/div><\/div>
https:\/\/us.v-cdn.net\/6038637\/uploads\/PT1N9QPUS40U\/image-5bc7344c79fbe-ae2c.png<\/a><\/p>
A new slider replaces the 10-year dropdown <\/strong><\/h3>
The previous 10-year dropdown caused user confusion, as it mistakenly suggested that inputs were limited to a 10-year period, when its actual function was to simply display any selected 10-year period.<\/p>
To resolve this, we've removed the 10-year dropdown entirely from the Pop-ups<\/strong>, SOP Transactions<\/strong>, and Regular Transactions<\/strong> screens and. It has been replaced with a dynamic slider, offering users seamless visibility into the future.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/HARIBGTG4OB5\/image-5d884934c49a8-a292.png<\/a><\/p>
<\/p>
Easier key date modelling <\/strong><\/h3>
We've added date hyperlinks directly in the Start of Period<\/em> (SOP) (and new End of Period,<\/em> or EOP<\/em>) screens so you can instantly change projection settings without navigating away.<\/p>
In the example below, you can see we’ve used the hyperlink to add a key date for Buy a Home.<\/em><\/strong>Part-year start dates and key dates are now more visible. They have been integrated directly into the table projection headers on the SOP<\/em> transaction screen and within pop-ups.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/F0W07IHSY31O\/image-35d9507797f538-34c4.png<\/a><\/p>
<\/p>
More visible, unified FHSSS and Downsizer options at SOP transactions<\/strong><\/h3>
We've made it easier to find the First Home Super Saver Scheme <\/em>(FHSSS) and Downsizer<\/em> options by renaming the relevant tabs in the <\/strong>SOP Transactions<\/em> menu to be more specific and detailed.<\/p>
Additionally, you can now view and enter data for both the client and their partner from a single, prominent popup for either the Downsizer<\/em> or FHSSS<\/em>, which significantly reduces the number of clicks required.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/FEJDLD4BLTYF\/image-3c82a74bd8a438-3647.png<\/a><\/p>
Better First Home Super Saver Scheme (FHSSS) modelling<\/h4>
Now, you can see more details for FHSSS<\/em> on the screen and if you need to enter current balance data or model a property purchase and FHSSS<\/em> release, you can click the hyperlinks to do so.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/P29DAFRTHMTX\/image-79870362790c88-1bf2.png<\/a><\/p>
Easier Downsizer Contributions<\/h4>
You can also see more details for Downsizer Contributions<\/em> on the screen and if you need to link the Property<\/em> or model its Disposal<\/em>, you can click the hyperlinks to do so.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/8HC08Q4JYJX9\/image-42a6edc4f3ec3-8c79.png<\/a><\/p>
Concessional Cap remaining now shown in SOP Transactions<\/h4>
Concessional Contributions<\/em> (CCs) are now conveniently displayed at the bottom of the SOP Display<\/em>, above the Non Concessional Cap<\/em> data. <\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/AWIVFX2G7C45\/image-d552589d93e8b8-fd75.png<\/a><\/p>
<\/p>
Pop-up improvements to end the ‘memory test’<\/h3>
We heard your frustration about having to memorise balances and caps before opening a pop-up window. We’ve fixed this by bringing the context directly inside the window.<\/p>
Live contextual data:<\/strong> Pop-ups now display up to three live data points at the top (below the date header) and three at the bottom (below the total). Here are some examples of how these changes have been applied:<\/p>
\n \n

🤓 Xplan Hint: Smarter Defaults for Super Contributions

courtney.youngblutt — Thu, 28 May 2026 04:08:02 +0000

Did you know we’ve updated the system defaults for super contribution indexation in Xtools+ to better reflect how most of you actually model strategies?
Why?
Previously, the system defaulted to "Salary Inflation" for Concessional and Non-Concessional contributions. We heard that most of you were manually changing this to 0% anyway, so we’ve made 0% the new standard. It's a small change, but it cuts out a repetitive manual task every time you start a new scenario.
How?
When you enter a regular contribution in the Accounts tab, you’ll notice the indexation field now defaults to 0%. If you still want to use salary inflation or a custom rate, you can obviously still change it, but for the majority of "flat" contribution strategies, you won't need to touch it.
Link: https://community.iress.com/ic/discussion/102638/xtools-super-pension-strategies-revisited-release-information
💡Pro Tip The Working Cash Account (WCA) default interest rate has also changed to 0% for both Individual and SMSF accounts. If your practice prefers a different baseline, remember you can still override this in your system settings, but the new 0% default prevents accidental over-estimation of cash returns.
Are there any other default settings you find yourself constantly changing manually?

🤓 Xplan Hint: A New Way to Consolidate Super.

courtney.youngblutt — Thu, 14 May 2026 21:08:31 +0000

Did you know you can now roll multiple super funds into a single account on one screen without having to pass the money through a "transfer account" first?
Why?
The old way of moving money between funds was a bit of a treasure hunt and involved way too many steps. This update lets you consolidate Superfund 1, Superfund 2 (taxed or untaxed) and SMSF accounts in one go. It’s much more logical, especially when you’re preparing to commence a pension and just want to see the final balance and tax components immediately. 🪙
How?
📈 Within your Xtools+ scenario, look for the new consolidation options under Input > Individual > Super > Client/Partner > SOP Transactions and select the Consolidate Super tab.
📈 Select the date for the rollover and tick the boxes for the funds you want to combine.
The system will instantly calculate the new total balance and display any tax payable if you're rolling over untaxed funds.

💡 If you are moving funds from an untaxed source, keep an eye on the tax component display at the bottom of the screen. It updates in real-time so you can see how much tax will be deducted from the untaxed element before you move on to the next part of your strategy.
🔗 Xtools+ Super & Pension Strategies revisited: Release information
❓ Have you had a chance to try the one-step consolidation yet, or are you still used to the old transfer account method?

6th May AMA: I’m Lana Graham, Xtools+ product manager, Ask Me Anything!

lana.graham — Thu, 23 Apr 2026 02:22:28 +0000

Hi everyone 👋
I’m Lana Graham, Xtools+ product manager.
The way you use Xtools+ is continuously improving and, understandably, that can come with a stack of questions. This is especially true as we launched our Super & Pension Strategies Revisited update on 23 April 2026.
This release is all about removing the ‘memory tests’ and workflow friction that can get in the way of your modelling. We've introduced several features designed to end the ‘treasure hunt’ for settings, including a brand-new End of Period (EOP) Transactions screen, automated regular rollovers and one-step super consolidation.
I’ll be live here in the Xplan Hub AMA forum to answer your best practice questions, hear your feedback, and clear up any curly ones.
To spark ideas, you might want to ask about, or share your feedback on:
One-step super consolidation: How to merge multiple accounts without using the transfer account.
The EOP Transactions screen: Best practices for handling year-end voluntary contributions, spouse splitting, or tax releases.
Automated regular rollovers: Setting up Target Balances to act as an insurance premium shield.
Smarter pension reboots: Modelling strategies involving untaxed funds or indexed minimum balances.
Interface updates: using the new dynamic slider or the contextual data now visible inside pop-ups.
Drop your questions below, whether it’s a specific scenario you're trying to model or feedback on how these changes impact your advice process.
I’ll be here live on Wednesday, 6th May at 3 pm AEST to respond.
💬 This AMA is text-based, so I’ll answer your pre-submitted questions in the scheduled time.
🔖 Don’t forget to hit the bookmark in the top right corner to be notified.

🤓 Xplan Hint: Easier Key Date Modelling

courtney.youngblutt — Sun, 03 May 2026 23:22:01 +0000

Did you know you can now add or change Key Dates directly from the Superannuation SOP Transactions and EOP Transactions Input screens without navigating away to projection settings?
The workflow used to feel a bit disjointed if you realised halfway through entering data that you forgot to add a "Buy a Home" or "Retirement" date. We’ve added date hyperlinks into the SOP and EOP screens so you can keep your momentum while you’re modelling.
Look for the date hyperlinks in the Start of Period (SOP) or End of Period (EOP) Transaction Input screens. Click the hyperlink to instantly add or edit a Key Date. You’ll also notice that part-year start dates are now more visible in the table headers, so you always know exactly which period you’re looking at. 👀
If you’re doing a lot of "what-if" modelling for property purchases, use these hyperlinks to quickly shift the purchase date. The table headers will update automatically, saving you from having to check the settings menu every time.

https:\/\/us.v-cdn.net\/6038637\/uploads\/P4ZQFKB53W3D\/istock-1372988836-iress-tech.jpg<\/a><\/p>
Recently, adviser and former paraplanning manager John Harris shared his feedback after testing our July 2025 Reinvented Super & Pension modelling<\/strong><\/a> release with a complex, \"meaty\" strategy. His verdict? The ability to model a second super account and manage complex rollbacks and contributions is \"1,000% better over previous versions\".<\/p>
However, we also heard loud and clear that the front-end experience added unnecessary 'cognitive load' and workflow friction that got in the way of that strategic power.<\/p>
This Revisited<\/em> update focuses on removing that friction while preserving the strategic power of the engine. Here is a look at the features and UI improvements coming your way, aligned with how you build your strategies.<\/p>
Many of the developments aim to put an end to the 'treasure hunt' for critical settings. We have surfaced buried features and simplified navigation to accelerate your modelling. <\/p>
<\/p>
🚀 Release<\/strong><\/h2>
This update was released Thursday 23 April 2026.<\/strong><\/p>
<\/strong><\/p>
🔎 Contents<\/strong><\/h2>Smarter regular transaction menus<\/a><\/li>
Updated defaults and scenario locking<\/a><\/li>
A new slider replaces the 10-year dropdown<\/a><\/li>
Easier key date modelling<\/a><\/li>
More visible, unified FHSSS & Downsizer options at SOP transactions<\/a><\/li>
Pop-up improvements to end the ‘memory test’<\/a><\/li>
Consolidate super in one screen<\/a><\/li>
Real-world timing for EOP (End of Period) transactions<\/a><\/li>
✨ <\/strong>NEW <\/strong>✨ Automated regular rollovers<\/a><\/li>
No more treasure hunts: Minimum Balance on Reboot is where it belongs<\/a><\/li>
Simplifying pension reboot to an untaxed fund<\/a><\/li>
Get started with Xmerge codes<\/a><\/li>
Share your feedback<\/a><\/li><\/ul>
<\/p>
🛠️ What’s changed?<\/strong><\/h2>Smarter Regular Transaction menus<\/strong><\/h3>
We have removed a header level to provide easier access to Regular Transactions<\/em>. <\/p>
Additionally, the Include in Deficit Allocation<\/em> option has been moved to the Accounts<\/em> tab where it belongs. <\/li>
The confusing View Betty’s<\/em> links are now renamed to Edit Betty’s<\/em> and consistently placed on the right.<\/li>
Pension reboot has moved to the Pension Pop-Up<\/em> and the new EOP Transactions Input<\/em> screen (further information below).<\/li><\/ul>https:\/\/us.v-cdn.net\/6038637\/uploads\/0LMMXH7TNI7S\/image-016f9f5e514da8-4f1b.png<\/a><\/p>
<\/p>
Updated defaults and scenario locking<\/strong><\/h3>
We've updated several default settings to better match the most common user patterns, reducing the need for you to adjust them manually.<\/p>
Working Cash Account (WCA) interest rates:<\/strong> The default interest rate for the WCA, for both Individual<\/em> and SMSF accounts<\/em>, is also changing to 0%<\/strong>. Previously, this was set equal to the return for the first Cash asset in your system settings, which was not always optimal.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/KM5JG5DVFSEA\/image-8a1fb6e12f22e8-3ec6.png<\/a><\/p>
Regular Super Contribution indexation:<\/strong> The default indexation rate for both Concessional<\/em> and Non-Concessional Contributions<\/em> (NCC) is now 0%<\/strong>. This replaces the previous default of Salary Inflation<\/em>, which users often changed.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/IS0RJDR9MDFF\/image-afd7474d247e68-c8cf.png<\/a><\/p>
Lock Your Scenarios<\/strong><\/p>
As previously noted, if any of your existing scenarios are still using the old<\/em> system defaults, you must lock your scenarios before close of business 23 April 2026<\/strong> to prevent the values in those scenarios from being reset to zero.<\/p><\/div><\/div>
https:\/\/us.v-cdn.net\/6038637\/uploads\/PT1N9QPUS40U\/image-5bc7344c79fbe-ae2c.png<\/a><\/p>
A new slider replaces the 10-year dropdown <\/strong><\/h3>
The previous 10-year dropdown caused user confusion, as it mistakenly suggested that inputs were limited to a 10-year period, when its actual function was to simply display any selected 10-year period.<\/p>
To resolve this, we've removed the 10-year dropdown entirely from the Pop-ups<\/strong>, SOP Transactions<\/strong>, and Regular Transactions<\/strong> screens and. It has been replaced with a dynamic slider, offering users seamless visibility into the future.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/HARIBGTG4OB5\/image-5d884934c49a8-a292.png<\/a><\/p>
<\/p>
Easier key date modelling <\/strong><\/h3>
We've added date hyperlinks directly in the Start of Period<\/em> (SOP) (and new End of Period,<\/em> or EOP<\/em>) screens so you can instantly change projection settings without navigating away.<\/p>
In the example below, you can see we’ve used the hyperlink to add a key date for Buy a Home.<\/em><\/strong>Part-year start dates and key dates are now more visible. They have been integrated directly into the table projection headers on the SOP<\/em> transaction screen and within pop-ups.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/F0W07IHSY31O\/image-35d9507797f538-34c4.png<\/a><\/p>
<\/p>
More visible, unified FHSSS and Downsizer options at SOP transactions<\/strong><\/h3>
We've made it easier to find the First Home Super Saver Scheme <\/em>(FHSSS) and Downsizer<\/em> options by renaming the relevant tabs in the <\/strong>SOP Transactions<\/em> menu to be more specific and detailed.<\/p>
Additionally, you can now view and enter data for both the client and their partner from a single, prominent popup for either the Downsizer<\/em> or FHSSS<\/em>, which significantly reduces the number of clicks required.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/FEJDLD4BLTYF\/image-3c82a74bd8a438-3647.png<\/a><\/p>
Better First Home Super Saver Scheme (FHSSS) modelling<\/h4>
Now, you can see more details for FHSSS<\/em> on the screen and if you need to enter current balance data or model a property purchase and FHSSS<\/em> release, you can click the hyperlinks to do so.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/P29DAFRTHMTX\/image-79870362790c88-1bf2.png<\/a><\/p>
Easier Downsizer Contributions<\/h4>
You can also see more details for Downsizer Contributions<\/em> on the screen and if you need to link the Property<\/em> or model its Disposal<\/em>, you can click the hyperlinks to do so.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/8HC08Q4JYJX9\/image-42a6edc4f3ec3-8c79.png<\/a><\/p>
Concessional Cap remaining now shown in SOP Transactions<\/h4>
Concessional Contributions<\/em> (CCs) are now conveniently displayed at the bottom of the SOP Display<\/em>, above the Non Concessional Cap<\/em> data. <\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/AWIVFX2G7C45\/image-d552589d93e8b8-fd75.png<\/a><\/p>
<\/p>
Pop-up improvements to end the ‘memory test’<\/h3>
We heard your frustration about having to memorise balances and caps before opening a pop-up window. We’ve fixed this by bringing the context directly inside the window.<\/p>
Live contextual data:<\/strong> Pop-ups now display up to three live data points at the top (below the date header) and three at the bottom (below the total). Here are some examples of how these changes have been applied:<\/p>
\n \n

🤓 Xplan Hint: End of Period Transactions Screen

courtney.youngblutt — Fri, 01 May 2026 02:29:27 +0000

Did you know there is a brand new input screen in Xtools+ specifically for actions that happen at the very end of the financial year?
We noticed a lot of workflow friction because things like personal deductible contribution top-ups or spouse splitting were buried in nested menus or only accessible from display screens. This new EOP Transactions screen centralises all those year-end "clean up" tasks so you don't have to keep jumping in and out of different windows.
How?
Navigate to the new EOP Transactions Input screen at Input > Individual > Superannuation > Client/Partner > EOP Transactions.
Use the dedicated tabs to manage Voluntary Contributions, Government Benefits, and Tax Releases.
You can enter your end-of-year adjustments here and see the impact on caps and totals at the bottom of the same screen.

💡Pro Tip The EOP screen is also the new home for managing Excess Concessional Contributions and Division 293 tax. Instead of searching for these in the display headers, you can now click the "Release of Tax" tab to handle overrides directly in your input workflow.
Does having a dedicated year-end screen make the "meaty" strategies feel a bit less complex to build?
Xtools+ Super & Pension Strategies revisited: Release information

🤓 Xplan Hint: Best practice: lock your scenarios

courtney.youngblutt — Sat, 18 Apr 2026 05:38:13 +0000

Did you know it's best practice to always lock your Xtools+ scenarios as you go?
🔓 Unlocked Scenarios are designed to be dynamic. When you open an old, unlocked scenario, Xtools+ triggers a recalculation using the most current legislative assumptions such as taxation, social security, and contribution rates.
The software is built to ensure that you don't accidentally produce a report today based on tax rules from three years ago, hence the automatic updates for unlocked scenarios
🔐 When you lock a scenario it is saved as a point-in-time snapshot. This prevents any automatic data refreshes and protects the integrity of historical modelling.
<\/a><\/p>\n\n
XTOOLS scenarios can be locked, preventing any changes from being made. When you lock an XTOOLS scenario, the XTOOL takes a snapshot of all current inputs, results and charts. When the scenario is opened, or content is Xmerged from the scenario, the same results and charts will always display.<\/p>\n\n
Unlocking scenarios<\/h3>\n\n
Locked scenarios can only be unlocked by users with the User Capability<\/a> Unlock XTOOLS Scenarios<\/strong><\/span>. As the calculations for results and charts in XTOOLS rely on factors as such the client's current financial situation and current Legislation and taxes, unlocking a scenario can cause significant<\/span> changes to the results.<\/p>\n\n
You may prefer to create a copy of a locked scenario. The copy will be automatically unlocked and will contain all the inputs of the locked scenario. To create a copy of an existing scenario<\/a><\/p>\n\n
XTOOLS that Support Scenario Locking<\/h3>\n\n
XTOOLS+<\/a><\/li>\n<\/ul>
To lock an XTOOL Scenario<\/h3>\n\n
Access an XTOOL. A list of existing scenarios displays.<\/li>\n
Click <\/img> for an existing scenario. The scenario is now locked.<\/li>\n<\/ol>
Previous Topic:<\/span>Manage XTOOLS Scenarios<\/a><\/div>\n\n
Next Topic:<\/span>Importing and Exporting XTOOL Scenarios<\/a><\/div>\n\n
You are here<\/div>\n\n
Table of Contents<\/a> > <\/span>Use XPLAN<\/span> > <\/span>XTOOLS<\/span> > <\/span>XTOOLS Basics<\/span> > <\/span>Scenarios<\/a> > <\/span>Lock XTOOLS Scenarios<\/span><\/p>\n","bodyRaw":"
<\/a><\/p>\n
XTOOLS scenarios can be locked, preventing any changes from being made. When you lock an XTOOLS scenario, the XTOOL takes a snapshot of all current inputs, results and charts. When the scenario is opened, or content is Xmerged from the scenario, the same results and charts will always display.<\/p>\n
Unlocking scenarios<\/h3>\n
Locked scenarios can only be unlocked by users with the User Capability<\/a> Unlock XTOOLS Scenarios<\/strong><\/span>. As the calculations for results and charts in XTOOLS rely on factors as such the client's current financial situation and current Legislation and taxes, unlocking a scenario can cause significant<\/span> changes to the results.<\/p>\n
You may prefer to create a copy of a locked scenario. The copy will be automatically unlocked and will contain all the inputs of the locked scenario. To create a copy of an existing scenario<\/a><\/p>\n
XTOOLS that Support Scenario Locking<\/h3>\n
\n
XTOOLS+<\/a><\/li>\n<\/ul>\n
To lock an XTOOL Scenario<\/h3>\n
\n
Access an XTOOL. A list of existing scenarios displays.<\/li>\n
Click for an existing scenario. The scenario is now locked.<\/li>\n<\/ol>\n
Previous Topic:<\/span>Manage XTOOLS Scenarios<\/a><\/div>\n
Next Topic:<\/span>Importing and Exporting XTOOL Scenarios<\/a><\/div>\n
You are here<\/div>\n
Table of Contents<\/a> > <\/span>Use XPLAN<\/span> > <\/span>XTOOLS<\/span> > <\/span>XTOOLS Basics<\/span> > <\/span>Scenarios<\/a> > <\/span>Lock XTOOLS Scenarios<\/span><\/p>","format":"markdown","dateInserted":"2016-06-20T10:30:50+00:00","insertUser":{"userID":1311,"name":"iress.documentation","url":"https:\/\/community.iress.com\/ic\/profile\/iress.documentation","photoUrl":"https:\/\/us.v-cdn.net\/6038637\/uploads\/avatar\/n570iB1BAA33794FC83D3.jpg","dateLastActive":"2026-05-18T09:22:28+00:00","banned":0,"punished":0,"private":false,"label":"staff","labelHtml":"staff","rankID":100},"displayOptions":{"showUserLabel":false,"showCompactUserInfo":true,"showDiscussionLink":true,"showPostLink":true,"showCategoryLink":false,"renderFullContent":false,"expandByDefault":false},"url":"https:\/\/community.iress.com\/ic\/discussion\/5431\/lock-xtools-scenarios","embedType":"quote","name":"Lock XTOOLS Scenarios","embedStyle":"rich_embed_card"}"> https://community.iress.com/ic/discussion/5431/lock-xtools-scenarios

🤓Xplan Hint: Import Super Contribution Data from Client Focus

courtney.youngblutt — Fri, 17 Apr 2026 07:00:58 +0000

Did you know the Contribution Summary element in Client Focus now automatically calculates your client's Personal Concessional and Non Concessional Cap data? And you can import data to the following Xtools: Xtools+, Optimiser, Retirement Funding, TTRAP, Lifestyle Goals.
Read about it here:
https:\/\/us.v-cdn.net\/6038637\/uploads\/LFQWXIPF5EE9\/image.png<\/a><\/p>
The Contribution Summary Element<\/a><\/li>
Contribution Cap Calculation enhancements<\/a><\/li>
You Can Xmerge the Contribution Summary Tables<\/a><\/li>
Import of Cap Data into Xtools<\/a><\/li>
Data is imported as at the Start of the Current Financial Year<\/a><\/li>
Please Update the Contribution Summary in Client Focus before Importing to Xtools (otherwise exclude it from Import)<\/a><\/li>
Using the Import Wizard<\/a><\/li><\/ul>
<\/p>
In Xplan version 25.11.466, the Contribution Summary<\/strong> element in Client Focus now automatically calculates<\/strong> your client's Personal Concessional and Non Concessional Cap data<\/strong>. And you can import data to the following Xtools<\/strong>: Xtools+, Optimiser, Retirement Funding, TTRAP, Lifestyle Goals.<\/p>
The Contribution Summary Element<\/h2>
The original Contribution Summary Element was released in November 2024, in response to user feedback and growing demand. Our customers told us:<\/p>
“With the introduction of the carry forward provisions when making concessional superannuation contributions, it is crucial that we are able to view a consolidated contributions history. The same goes when utilising bring forward provisions for non-concessional superannuation contributions. <\/em>This would assist us to minimise the risk of a client breaching contribution caps<\/strong><\/em>”.<\/em><\/p>
“Our advisers need to check their client’s MyGov record against their super account records as <\/em>MyGov is sometimes wrong.<\/strong><\/em>”<\/em><\/p>
\nThe Contribuion Summary was designed to support users who wish to enter each contribution (for which case it adds up each transaction from the Contributions tab of the Existing Plans (Superannuation)<\/strong> element) as well as those who only wish to edit the data intermittently. <\/p>
The Contribution Summary collates data entered into the Contributions tab of the Existing Plans (Superannuation)<\/strong> element, to calculate the total concessional and non-concessional contributions for each financial year, from 2018\/19 onwards.<\/li>
For less administrative burden, use the Action\/Edit feature in the summary to enter the total concessional contributions or non concessional contributions for each financial year.<\/li>
You can also attach a file note to store records of your contribution research for compliance purposes.<\/li><\/ul><\/strong>See the Tracking superannuation contributions user guide<\/a> for further information.<\/p>
Contribution Cap Calculation enhancements<\/h2>
Our customers told us they were using spreadsheets to calculate their client’s unused concessional caps to correctly apply the carry-forward rule, however for increased efficiency, they would prefer those calculations were automatically embedded within Xplan. Customers also wanted the contribution cap data to come across from Client Focus to Xtools.<\/p>
\nWith this in mind, the original Contribution Summary was built with the option for you to enter total super balance<\/strong> and refunded excess concessional & non-concessional contributions<\/strong>.<\/p>
\nAn example of the new contribution cap calculations is shown in the screenshots below.<\/p>
\nThe current financial year calculations are summarised at the top<\/strong> for easy reference.<\/p>
You can view the total Concessional and Non Concessional contributions for the financial year to date as well as the Personal Cap that has been calculated for your client.<\/li>
The Personal Cap for Concessional Contributions considers the carry-forward rule and the Personal Cap for Non Concessional Contributions considers the bring-forward rule.<\/li><\/ul>
Below the financial year summary, the Contribution Summary is now split into separate tabs for Concessional Contributions and Non Concessional Contributions<\/strong>.<\/p>
Each tab shows the contribution cap calculations in detail, so you can see how the calculations work.<\/li>
The calculations combine your client’s personal data with the same legislative data used by the Xtools to automatically apply the carry-forward and bring-forward rules.<\/li><\/ul>The Concessional Contributions Tab<\/h3>
This tab allows you to review and enter data relevant to the individual's personal concessional cap and the operation of the Carry Forward provisions.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/attachments\/24165i82A9E8DEA7E7EF42\/Concessional%20Cap%20only.png<\/a><\/p>
  Each column is explained in the table below:<\/p>
The following columns appear in both the Concessional and Non-concessional contribution tabs:<\/p>
<\/col><\/col><\/col><\/colgroup>
Action<\/p><\/th>
The Edit icon allows you to override the calculated value for concessional contributions (CCs) and non-concessional contributions (NCCs), in case you prefer to enter the total contributions once here rather than entering the contributions in detail under each plan. <\/p>
Also enter any Refunded Excess CCs, Refunded Excess NCCs and the Total Super Balance (TSB) here.<\/p>
<\/p>
The Note icon allows you to attach a file note to store records of your contribution research for compliance purposes.<\/p>
You can store all relevant documents\/statements for each financial year's contributions in one place to keep the information organised.<\/p><\/th><\/tr>
Total Super Balance (prior 30 June) <\/p><\/td>
The client’s official Total Super Balance (TSB) as at 30 June of the previous financial year is recorded here. <\/p>
Note: Please ensure you enter your client’s TSB<\/strong><\/p>
<\/p>
At least one TSB must be entered for cap data to import into the Xtools.<\/strong><\/p>
<\/p>
Correct TSB data entry enables correct contribution cap calculations:<\/strong><\/p>
Concessional Cap calculations check whether the client’s TSB is below $500,000 before carrying forward unused caps from previous years.<\/li>
Non Concessional Cap calculations compare the client’s TSB to the General Transfer Balance Cap to calculate whether they are entitled to bring-forward of 3,2,1 or Nil years of the general non concessional cap.<\/li><\/ul>
<\/p><\/td><\/tr><\/table><\/div>
<\/p>
The columns unique to the Concessional Contribution tab are explained below:<\/p>
<\/col><\/col><\/col><\/colgroup>
Concessional Contributions <\/p><\/th>
The Concessional Contribution data is used to calculate your client's unused and used concessional cap for each financial year, considering previous use of the carry-forward rule.<\/p><\/th><\/tr>
General CC Cap <\/p><\/td>
This gives the General Concessional Contribution cap, with the information sourced from the Xtools Legislative updates.<\/p><\/td><\/tr>
Unused General Cap <\/p><\/td>
This is the amount of General CC Cap that has not been used up in the current financial year, therefore may be available for carry-forward.<\/p><\/td><\/tr>
Unused Cap after Carry Forward<\/p><\/td>
Concessional Contribution and Total Super Balance data is used to calculate the client's unused concessional cap for each financial year, considering previous use of the carry-forward rule. <\/p><\/td><\/tr>
Used Cap after Carry Forward<\/p><\/td>
Concessional Contribution and Total Super Balance data is used to calculate the client's used concessional cap for each financial year, considering previous use of the carry-forward rule.<\/p><\/td><\/tr>
Carry Forward Available<\/p><\/td>
This is the calculated total amount of unused caps for previous financial years that can be carried forward to the relevant financial year, in order to increase the individual's personal concessional contributions cap.<\/p><\/td><\/tr>
Personal CC Cap <\/p><\/td>
The Carry Forward Available and the General CC Cap columns are added together to give the individual's Personal Concessional Cap for the financial year.<\/p><\/td><\/tr>
Excess CCs<\/p><\/td>
Concessional Contributions for the Financial year are compared to the individual's Personal Concessional Contributions Cap to calculate their Excess Concessional Contributions for the financial year.<\/p><\/td><\/tr>
Refunded Excess CCs<\/p><\/td>
If your client has made excess concessional contributions in a financial year and has subsequently arranged for the ATO to refund the excess, you can enter the amount refunded here to ensure it is not counted towards the Non Concessional Contributions Cap.<\/p><\/td><\/tr><\/table><\/div>
Note regarding 2025\/2026 Excluded<\/strong><\/p>
Excluded is displayed to inform users that the calculated amounts for Concessional contribution > Unused Cap after Carry Forward <\/strong>and Used Cap after Carry Forward<\/strong> exclude any carry forward amounts the client may have already used up in the current financial year by making contributions in excess of the general cap. By excluding these carry-forward amounts, we ensure the Used\/Unused Caps imported to Xtools are accurate as at 1 July of the current financial year. This does not impact the calculation of the current financial year’s Personal Concessional Cap.<\/p>
<\/p>
The Non Concessional Contributions Tab<\/h3>
This tab allows you to review and enter data relevant to the individual's personal non concessional cap and the operation of the Bring Forward rule.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/attachments\/24169iFDAA44AE2DE6AB14\/Non%20Concessional%20Contributions%20only.png<\/a><\/p>
<\/p>
Each column unique to the Non-concessional contributions tab is explained in the table below:<\/p>
<\/col><\/col><\/col><\/colgroup>
General Transfer Balance Cap<\/strong><\/p><\/th>
General Transfer Balance Cap data is imported from Xtools Legislative Updates and used to calculate correct bring-forward of NCCs for those with higher total superannuation balances.<\/strong><\/p><\/th><\/tr>
Non-concessional Contributions<\/p><\/td>
Your client’s total Non-concessional contributions for the financial year.<\/p><\/td><\/tr>
Unrefunded Excess CCs<\/p><\/td>
If we have calculated Excess CCs for a financial year (in the Concessional Contributions tab), we reduce this amount by the amount you have entered for Refunded Excess CCs . The remainder is shown here as Unrefunded Excess CCs and we count it toward the Non Concessional Caps when calculating excess Non-concessional Contributions.<\/p><\/td><\/tr>
General NCC Cap<\/p><\/td>
This gives the General Non Concessional Contribution cap, with the information sourced from the Xtools Legislated updates. <\/p><\/td><\/tr>
Bring Forward Rule Triggered <\/p><\/td>
This column indicates if the bring forward rule has been triggered. The bring forward rule is triggered if the individual's NCC for the current financial year exceeds the General NCC Cap, they have not triggered the bring-forward rule in the previous 2 financial years and their Total Super Balance is below the General Transfer Balance Cap.<\/p><\/td><\/tr>
Bring Forward Year<\/p><\/td>
Displays the bring-forward year. If the bring-forward rule has been triggered, displays whether the client is in Year 1, 2 or 3 of the bring-forward rule for the relevant financial year. <\/p><\/td><\/tr>
Personal NCC Cap<\/p><\/td>
Calculated personal Non Concessional Contributions cap. <\/p>
When the client’s TSB exceeds the General Transfer Balance Cap, this amount will be Nil. <\/li><\/ul>
Otherwise:<\/p>
When the client’s NCC does not exceed the General NCC Cap in a financial year, the Personal NCC Cap is equal to the General NCC Cap.<\/li>
When the client’s NCC has exceeded the General NCC Cap, the bring-forward rule is triggered. <\/li>
To calculate how many years of Non Concessional Caps can be brought forward, we deduct the Client's TSB from the General Transfer Balance Cap, divide this by the General NCC Cap and round up to the nearest whole number (limited to a maximum of 3). We then multiply this by the current General NCC Cap to calculate the Personal NCC Cap.<\/li><\/ul><\/td><\/tr>
Excess NCCs<\/p><\/td>
The amount by which Non-concessional Contributions exceed the calculated Personal NCC Cap.<\/p><\/td><\/tr>
Refunded Excess NCCs<\/p><\/td>
Manually entered details for any refunded excess Non Concessional Contributions.<\/p><\/td><\/tr><\/table><\/div>
<\/p>You Can Xmerge the Contribution Summary Tables
The Contribution Summary data shown in Client Focus can be merged into your documents. We’ve attached an example that you can use to merge the Contribution Summary as it is shown in Client Focus. You can also adapt our example to show only the columns you wish.<\/p>\nImport of Cap Data into Xtools
Provided your Xplan site has been upgraded to version 25.11.466 or later<\/strong>, you can now import data from the contribution summary into the following Xtools: Xtools+, Optimiser, Retirement Funding, TTRAP and Lifestyle Goals.<\/p>
\nAs the functionality for each tool varies, the historical contribution data that is imported also varies. The data imported to the various tools is outlined in the table below:<\/p>
<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/attachments\/24156iD313A1B807E6CF74\/lanagraham_0-1764215688430.png<\/a><\/p>
<\/p>
Ensure you enter the Total Super Balance into Client Focus<\/h3>
Please note: To activate the import of an individual’s contribution cap data to Xtools, you must enter at least one Total Super Balance (TSB) into their Client Focus Contribution Summary.<\/strong><\/p>
The TSB control applies to all of the Xtools, regardless that only Xtools+ uses the Total Super Balance in its calculations. By entering the TSB into Client Focus, you verify that you have access to the Contribution Summary element and are therefore able to validate the contribution summary data before it is imported to the Xtools.<\/p>
\nWhat if your Xplan version is before 25.11.466?<\/h3>
If your site version is before 25.11.466, reach out to your site administrator. Provided your site has the Contribution Summary element, you can still import the cap data. However, please ensure you verify the calculations separately before using them. If preferred, you can exclude the cap data when running the Import Wizard (see below).<\/p>
Using the Import Wizard<\/h2>
For the various Xtools, the Import Wizard will contain a separate option to import the contribution summary, so you can exclude it from the import if you wish. \nTo import all data, select Import All<\/strong>.<\/p>
If you want to exclude parts of the import, click Proceed<\/strong>. <\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/attachments\/24164i3293CF5FCCC3C649\/Import%20Wizard%20Proceed.png<\/a><\/p>
<\/p>
If preferred, you can exclude the Contribution Summary from the Import by skipping the Import All button and clicking on Proceed<\/strong>. Then, you can specifically exclude the Contribution Summary from the import. The following screenshot highlights the relevant row for Xtools+.<\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/G4LSNN0OYFMU\/xtools-2b-import.png<\/a><\/p>
When you import to Xtools+, the data will appear at Input > Individual > Super > Client\/Partner > Historical. The labels were updated to align with Client Focus, so you can see which values are being imported: <\/p>
https:\/\/us.v-cdn.net\/6038637\/uploads\/ZUYFWQRJ6LF7\/xtools-2b-import-caps-to-historical.png<\/a><\/p>
<\/p>
Data will be imported as at the Start of the Current Financial Year<\/h3>
The Used and Unused Cap amounts imported from Client Focus will be calculated as at the start of the current financial year. This means that when your projection is commenced in a previous or future financial year, you may need to adjust the concessional contribution used\/unused cap amounts <\/strong> I.e.<\/p>
Xtools+<\/strong> users will need to manually calculate the unused or used cap amount if they start projections in a previous or future financial year .<\/li>
Retirement Funding<\/strong> users will need to manually calculate the used cap amount if they start the projection next financial year.\n <\/li><\/ul>Contact your Site Administrator if you can't see the Contribution Summary, or your site needs upgrading
If you can't see the Contribution Summary on your Xplan site or your version is before 25.11.466, please reach out to your site administrator. For further guidance on system administrator set-up<\/strong>, see the Tracking superannuation contributions user guide<\/a>.<\/p>
\nShare your thoughts<\/h2>
<\/p>
We're excited to bring you these new automated cap calculations and trust that you will leverage them for more seamless and robust super contribution advice.<\/p>
We are always keenly interested in any feedback you have. For any questions or feedback regarding Xtools, please reach out to our Help Desk on 1300 1300 69 or speak with your Relationship Manager.<\/p>
<\/p>
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And you can i\"},{\"text\":\"mport data to the following Xtools\",\"bold\":true},{\"text\":\": Xtools+, Optimiser, Retirement Funding, TTRAP, Lifestyle Goals.\\n\\n\"}]},{\"type\":\"h2\",\"children\":[{\"text\":\"The Contribution Summary Element\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The original Contribution Summary Element was released in November 2024, in response to user feedback and growing demand. Our customers told us:\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"“With the introduction of the carry forward provisions when making concessional superannuation contributions, it is crucial that we are able to view a consolidated contributions history. The same goes when utilising bring forward provisions for non-concessional superannuation contributions. \",\"italic\":true},{\"text\":\"This would assist us to minimise the risk of a client breaching contribution caps\",\"bold\":true,\"italic\":true},{\"text\":\"”.\",\"italic\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\n\"},{\"text\":\"“Our advisers need to check their client’s MyGov record against their super account records as \",\"italic\":true},{\"text\":\"MyGov is sometimes wrong.\",\"bold\":true,\"italic\":true},{\"text\":\"”\",\"italic\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\nThe Contribuion Summary was designed to support users who wish to enter each contribution (for which case it adds up each transaction from the Contributions tab of the \"},{\"text\":\"Existing Plans (Superannuation)\",\"bold\":true},{\"text\":\" element) as well as those who only wish to edit the data intermittently. \"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"The Contribution Summary collates data entered into the Contributions tab of the \"},{\"text\":\"Existing Plans (Superannuation)\",\"bold\":true},{\"text\":\" element, to calculate the total concessional and non-concessional contributions for each financial year, from 2018\\\/19 onwards.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"For less administrative burden, use the Action\\\/Edit feature in the summary to enter the total concessional contributions or non concessional contributions for each financial year.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"You can also attach a file note to store records of your contribution research for compliance purposes.\"}]}]}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\n\",\"bold\":true},{\"text\":\"See the \"},{\"type\":\"a\",\"url\":\"https:\\\/\\\/community.iress.com\\\/t5\\\/Help-Guide-Xplan\\\/Tracking-superannuation-contributions\\\/ta-p\\\/68942\",\"target\":\"_blank\",\"children\":[{\"text\":\"Tracking superannuation contributions user guide\"}]},{\"text\":\" for further information.\\n\\n\"}]},{\"type\":\"h2\",\"children\":[{\"text\":\"Contribution Cap Calculation enhancements\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Our customers told us they were using spreadsheets to calculate their client’s unused concessional caps to correctly apply the carry-forward rule, however for increased efficiency, they would prefer those calculations were automatically embedded within Xplan. Customers also wanted the contribution cap data to come across from Client Focus to Xtools.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\nWith this in mind, the original Contribution Summary was built with the option for you to enter \"},{\"text\":\"total super balance\",\"bold\":true},{\"text\":\" and \"},{\"text\":\"refunded excess concessional & non-concessional contributions\",\"bold\":true},{\"text\":\".\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\nAn example of the new contribution cap calculations is shown in the screenshots below.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\nThe \"},{\"text\":\"current financial year calculations are summarised at the top\",\"bold\":true},{\"text\":\" for easy reference.\"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"You can view the total Concessional and Non Concessional contributions for the financial year to date as well as the Personal Cap that has been calculated for your client.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"The Personal Cap for Concessional Contributions considers the carry-forward rule and the Personal Cap for Non Concessional Contributions considers the bring-forward rule.\"}]}]}]},{\"type\":\"p\",\"children\":[{\"text\":\"Below the financial year summary, the \"},{\"text\":\"Contribution Summary is now split into separate tabs for Concessional Contributions and Non Concessional Contributions\",\"bold\":true},{\"text\":\".\"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Each tab shows the contribution cap calculations in detail, so you can see how the calculations work.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"The calculations combine your client’s personal data with the same legislative data used by the Xtools to automatically apply the carry-forward and bring-forward rules.\"}]}]}]},{\"type\":\"h3\",\"children\":[{\"text\":\"The Concessional Contributions Tab\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"This tab allows you to review and enter data relevant to the individual's personal concessional cap and the operation of the Carry Forward provisions.\\n\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/24165i82A9E8DEA7E7EF42\\\/Concessional%20Cap%20only.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/24165i82A9E8DEA7E7EF42\\\/Concessional%20Cap%20only.png\",\"name\":\"Concessional Cap only.png\",\"embedType\":\"image\",\"float\":\"none\",\"height\":337,\"width\":999}},{\"type\":\"p\",\"children\":[{\"text\":\"  Each column is explained in the table below:\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The following columns appear in both the Concessional and Non-concessional contribution tabs:\"}]},{\"type\":\"table\",\"children\":[{\"type\":\"tr\",\"children\":[{\"type\":\"th\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Action\"}]}]},{\"type\":\"th\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"The Edit icon allows you to override the calculated value for concessional contributions (CCs) and non-concessional contributions (NCCs), in case you prefer to enter the total contributions once here rather than entering the contributions in detail under each plan. \\n\\n\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Also enter any Refunded Excess CCs, Refunded Excess NCCs and the Total Super Balance (TSB) here.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\n\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The Note icon allows you to attach a file note to store records of your contribution research for compliance purposes.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"You can store all relevant documents\\\/statements for each financial year's contributions in one place to keep the information organised.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Total Super Balance (prior 30 June) \"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"The client’s official Total Super Balance (TSB) as at 30 June of the previous financial year is recorded here. \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\n\"},{\"text\":\"Note: Please ensure you enter your client’s TSB\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\n\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"At least one TSB must be entered for cap data to import into the Xtools.\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\n\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Correct TSB data entry enables correct contribution cap calculations:\",\"bold\":true}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Concessional Cap calculations check whether the client’s TSB is below $500,000 before carrying forward unused caps from previous years.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Non Concessional Cap calculations compare the client’s TSB to the General Transfer Balance Cap to calculate whether they are entitled to bring-forward of 3,2,1 or Nil years of the general non concessional cap.\"}]}]}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\n\"}]}]}],\"actualHeight\":696.35418701171875}],\"id\":\"table-1-27\",\"colSizes\":[300,300]},{\"type\":\"p\",\"children\":[{\"text\":\"\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The columns unique to the Concessional Contribution tab are explained below:\"}]},{\"type\":\"table\",\"children\":[{\"type\":\"tr\",\"children\":[{\"type\":\"th\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Concessional Contributions \"}]}]},{\"type\":\"th\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"The Concessional Contribution data is used to calculate your client's unused and used concessional cap for each financial year, considering previous use of the carry-forward rule.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"General CC Cap \"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"This gives the General Concessional Contribution cap, with the information sourced from the Xtools Legislative updates.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Unused General Cap \"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"This is the amount of General CC Cap that has not been used up in the current financial year, therefore may be available for carry-forward.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Unused Cap after Carry Forward\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Concessional Contribution and Total Super Balance data is used to calculate the client's unused concessional cap for each financial year, considering previous use of the carry-forward rule. \"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Used Cap after Carry Forward\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Concessional Contribution and Total Super Balance data is used to calculate the client's used concessional cap for each financial year, considering previous use of the carry-forward rule.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Carry Forward Available\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"This is the calculated total amount of unused caps for previous financial years that can be carried forward to the relevant financial year, in order to increase the individual's personal concessional contributions cap.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Personal CC Cap \"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"The Carry Forward Available and the General CC Cap columns are added together to give the individual's Personal Concessional Cap for the financial year.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Excess CCs\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Concessional Contributions for the Financial year are compared to the individual's Personal Concessional Contributions Cap to calculate their Excess Concessional Contributions for the financial year.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Refunded Excess CCs\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"If your client has made excess concessional contributions in a financial year and has subsequently arranged for the ATO to refund the excess, you can enter the amount refunded here to ensure it is not counted towards the Non Concessional Contributions Cap.\"}]}]}]}],\"id\":\"table-0-30\",\"colSizes\":[300,300]},{\"type\":\"p\",\"children\":[{\"text\":\"Note regarding 2025\\\/2026 Excluded\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"Excluded is displayed to inform users that the calculated amounts for\"},{\"text\":\" Concessional contribution > Unused Cap after Carry Forward \",\"bold\":true},{\"text\":\"and \"},{\"text\":\"Used Cap after Carry Forward\",\"bold\":true},{\"text\":\" exclude any carry forward amounts the client may have already used up in the current financial year by making contributions in excess of the general cap. By excluding these carry-forward amounts, we ensure the Used\\\/Unused Caps imported to Xtools are accurate as at 1 July of the current financial year. This does not impact the calculation of the current financial year’s Personal Concessional Cap.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\"}]},{\"type\":\"h3\",\"children\":[{\"text\":\"The Non Concessional Contributions Tab\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"This tab allows you to review and enter data relevant to the individual's personal non concessional cap and the operation of the Bring Forward rule.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/24169iFDAA44AE2DE6AB14\\\/Non%20Concessional%20Contributions%20only.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/24169iFDAA44AE2DE6AB14\\\/Non%20Concessional%20Contributions%20only.png\",\"name\":\"Non Concessional Contributions only.png\",\"embedType\":\"image\",\"float\":\"none\",\"height\":322,\"width\":999}},{\"type\":\"p\",\"children\":[{\"text\":\" \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Each column unique to the Non-concessional contributions tab is explained in the table below:\"}]},{\"type\":\"table\",\"children\":[{\"type\":\"tr\",\"children\":[{\"type\":\"th\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"General Transfer Balance Cap\",\"bold\":true}]}]},{\"type\":\"th\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"General Transfer Balance Cap data is imported from Xtools Legislative Updates and used to calculate correct bring-forward of NCCs for those with higher total superannuation balances.\",\"bold\":true}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Non-concessional Contributions\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Your client’s total Non-concessional contributions for the financial year.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Unrefunded Excess CCs\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"If we have calculated Excess CCs for a financial year (in the Concessional Contributions tab), we reduce this amount by the amount you have entered for Refunded Excess CCs . The remainder is shown here as Unrefunded Excess CCs and we count it toward the Non Concessional Caps when calculating excess Non-concessional Contributions.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"General NCC Cap\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"This gives the General Non Concessional Contribution cap, with the information sourced from the Xtools Legislated updates. \"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Bring Forward Rule Triggered \"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"This column indicates if the bring forward rule has been triggered. The bring forward rule is triggered if the individual's NCC for the current financial year exceeds the General NCC Cap, they have not triggered the bring-forward rule in the previous 2 financial years and their Total Super Balance is below the General Transfer Balance Cap.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Bring Forward Year\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Displays the bring-forward year. If the bring-forward rule has been triggered, displays whether the client is in Year 1, 2 or 3 of the bring-forward rule for the relevant financial year. \"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Personal NCC Cap\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Calculated personal Non Concessional Contributions cap. \"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"When the client’s TSB exceeds the General Transfer Balance Cap, this amount will be Nil. \"}]}]}]},{\"type\":\"p\",\"children\":[{\"text\":\"Otherwise:\"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"When the client’s NCC does not exceed the General NCC Cap in a financial year, the Personal NCC Cap is equal to the General NCC Cap.\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"When the client’s NCC has exceeded the General NCC Cap, the bring-forward rule is triggered. \"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"To calculate how many years of Non Concessional Caps can be brought forward, we deduct the Client's TSB from the General Transfer Balance Cap, divide this by the General NCC Cap and round up to the nearest whole number (limited to a maximum of 3). We then multiply this by the current General NCC Cap to calculate the Personal NCC Cap.\"}]}]}]}]}],\"actualHeight\":621.125},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Excess NCCs\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"The amount by which Non-concessional Contributions exceed the calculated Personal NCC Cap.\"}]}]}]},{\"type\":\"tr\",\"children\":[{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Refunded Excess NCCs\"}]}]},{\"type\":\"td\",\"children\":[{\"type\":\"p\",\"children\":[{\"text\":\"Manually entered details for any refunded excess Non Concessional Contributions.\"}]}]}]}],\"id\":\"table-2-40\",\"colSizes\":[300,300]},{\"type\":\"p\",\"children\":[{\"text\":\" \"}]},{\"type\":\"h1\",\"children\":[{\"text\":\"You Can Xmerge the Contribution Summary Tables\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The Contribution Summary data shown in Client Focus can be merged into your documents. We’ve attached an example that you can use to merge the Contribution Summary as it is shown in Client Focus. You can also adapt our example to show only the columns you wish.\"}]},{\"type\":\"h1\",\"children\":[{\"text\":\"\\nImport of Cap Data into Xtools\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Provided your Xplan site has been upgraded to version 25.11.466 or later\",\"bold\":true},{\"text\":\", you can now import data from the contribution summary into the following Xtools: Xtools+, Optimiser, Retirement Funding, TTRAP and Lifestyle Goals.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\\nAs the functionality for each tool varies, the historical contribution data that is imported also varies. The data imported to the various tools is outlined in the table below:\"}]},{\"type\":\"p\",\"children\":[{\"text\":\" \"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/24156iD313A1B807E6CF74\\\/lanagraham_0-1764215688430.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/24156iD313A1B807E6CF74\\\/lanagraham_0-1764215688430.png\",\"name\":\"lanagraham_0-1764215688430.png\",\"embedType\":\"image\",\"float\":\"none\"}},{\"type\":\"p\",\"children\":[{\"text\":\" \"}]},{\"type\":\"h3\",\"children\":[{\"text\":\"Ensure you enter the Total Super Balance into Client Focus\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Please note: To activate the import of an individual’s contribution cap data to Xtools, you must enter at least one Total Super Balance (TSB) into their Client Focus Contribution Summary.\",\"bold\":true}]},{\"type\":\"p\",\"children\":[{\"text\":\"The TSB control applies to all of the Xtools, regardless that only Xtools+ uses the Total Super Balance in its calculations. By entering the TSB into Client Focus, you verify that you have access to the Contribution Summary element and are therefore able to validate the contribution summary data before it is imported to the Xtools.\"}]},{\"type\":\"h3\",\"children\":[{\"text\":\"\\r\\nWhat if your Xplan version is before 25.11.466?\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"If your site version is before 25.11.466, reach out to your site administrator. Provided your site has the Contribution Summary element, you can still import the cap data. However, please ensure you verify the calculations separately before using them. If preferred, you can exclude the cap data when running the Import Wizard (see below).\"}]},{\"type\":\"h2\",\"children\":[{\"text\":\"Using the Import Wizard\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"For the various Xtools, the Import Wizard will contain a separate option to import the contribution summary, so you can exclude it from the import if you wish.\\r\\nTo import all data, select \"},{\"text\":\"Import All\",\"bold\":true},{\"text\":\".\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"If you want to exclude parts of the import, click \"},{\"text\":\"Proceed\",\"bold\":true},{\"text\":\". \"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/24164i3293CF5FCCC3C649\\\/Import%20Wizard%20Proceed.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/24164i3293CF5FCCC3C649\\\/Import%20Wizard%20Proceed.png\",\"name\":\"Import Wizard Proceed.png\",\"embedType\":\"image\",\"float\":\"none\"}},{\"type\":\"p\",\"children\":[{\"text\":\" \"}]},{\"type\":\"p\",\"children\":[{\"text\":\"If preferred, you can exclude the Contribution Summary from the Import by skipping the Import All button and clicking on \"},{\"text\":\"Proceed\",\"bold\":true},{\"text\":\". Then, you can specifically exclude the Contribution Summary from the import. The following screenshot highlights the relevant row for Xtools+.\"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/G4LSNN0OYFMU\\\/xtools-2b-import.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/G4LSNN0OYFMU\\\/xtools-2b-import.png\",\"name\":\"Xtools+ import.png\",\"type\":\"image\\\/png\",\"size\":168003,\"width\":1892,\"height\":951,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FG4LSNN0OYFMU%2Fxtools-2b-import.png\",\"active\":true,\"mediaID\":6894,\"dateInserted\":\"2026-03-30T04:05:42+00:00\",\"insertUserID\":2808,\"foreignType\":\"embed\",\"foreignID\":\"2808\",\"embedType\":\"image\"}},{\"type\":\"p\",\"children\":[{\"text\":\"When you import to Xtools+, the data will appear at Input > Individual > Super > Client\\\/Partner > Historical. The labels were updated to align with Client Focus, so you can see which values are being imported: \"}]},{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"image\",\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/ZUYFWQRJ6LF7\\\/xtools-2b-import-caps-to-historical.png\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/ZUYFWQRJ6LF7\\\/xtools-2b-import-caps-to-historical.png\",\"name\":\"Xtools+ import caps to Historical.png\",\"type\":\"image\\\/png\",\"size\":98897,\"width\":794,\"height\":858,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2FZUYFWQRJ6LF7%2Fxtools-2b-import-caps-to-historical.png\",\"active\":true,\"mediaID\":6896,\"dateInserted\":\"2026-03-30T04:06:25+00:00\",\"insertUserID\":2808,\"foreignType\":\"embed\",\"foreignID\":\"2808\",\"embedType\":\"image\"}},{\"type\":\"p\",\"children\":[{\"text\":\"\"}]},{\"type\":\"h3\",\"children\":[{\"text\":\"Data will be imported as at the Start of the Current Financial Year\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"The Used and Unused Cap amounts imported from Client Focus will be calculated as at the start of the current financial year. \"},{\"text\":\"This means that when your projection is commenced in a previous or future financial year, you may need to adjust the concessional contribution used\\\/unused cap amounts \",\"bold\":true},{\"text\":\" I.e.\"}]},{\"type\":\"ul\",\"children\":[{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Xtools+\",\"bold\":true},{\"text\":\" users will need to manually calculate the unused or used cap amount if they start projections in a previous or future financial year .\"}]}]},{\"type\":\"li\",\"children\":[{\"type\":\"lic\",\"children\":[{\"text\":\"Retirement Funding\",\"bold\":true},{\"text\":\" users will need to manually calculate the used cap amount if they start the projection next financial year.\\n\\n \"}]}]}]},{\"type\":\"h1\",\"children\":[{\"text\":\"Contact your Site Administrator if you can't see the Contribution Summary, or your site needs upgrading\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"If you can't see the Contribution Summary on your Xplan site or your version is before 25.11.466, please reach out to your site administrator. For further guidance on \"},{\"text\":\"system administrator set-up\",\"bold\":true},{\"text\":\", see the \"},{\"type\":\"a\",\"url\":\"https:\\\/\\\/community.iress.com\\\/t5\\\/Help-Guide-Xplan\\\/Tracking-superannuation-contributions\\\/ta-p\\\/68942#toc-hId--1185930022\",\"target\":\"_blank\",\"children\":[{\"text\":\"Tracking superannuation contributions user guide\"}]},{\"text\":\".\"}]},{\"type\":\"h2\",\"children\":[{\"text\":\"\\nShare your thoughts\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"We're excited to bring you these new automated cap calculations and trust that you will leverage them for more seamless and robust super contribution advice.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"We are always keenly interested in any feedback you have. For any questions or feedback regarding Xtools, please reach out to our Help Desk on 1300 1300 69 or speak with your Relationship Manager.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\"}]},{\"type\":\"rich_embed_card\",\"embedData\":{\"url\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/eedzd33262\\\/XPLANReleaseInformation\\\/1953\\\/2\\\/20251127%20Contribution%20Summary%20Xmerge.docx\",\"name\":\"20251127 Contribution Summary Xmerge.docx\",\"type\":\"application\\\/vnd.openxmlformats-officedocument.wordprocessingml.document\",\"size\":29862,\"displaySize\":\"large\",\"float\":\"none\",\"downloadUrl\":\"https:\\\/\\\/community.iress.com\\\/api\\\/v2\\\/media\\\/download-by-url?url=https%3A%2F%2Fus.v-cdn.net%2F6038637%2Fuploads%2Fattachments%2Feedzd33262%2FXPLANReleaseInformation%2F1953%2F2%2F20251127+Contribution+Summary+Xmerge.docx\",\"active\":true,\"mediaID\":1092,\"dateInserted\":\"2025-11-27T11:02:25+00:00\",\"insertUserID\":1,\"foreignType\":\"discussion\",\"foreignID\":\"81297\",\"embedType\":\"file\"},\"children\":[{\"text\":\"https:\\\/\\\/us.v-cdn.net\\\/6038637\\\/uploads\\\/attachments\\\/eedzd33262\\\/XPLANReleaseInformation\\\/1953\\\/2\\\/20251127%20Contribution%20Summary%20Xmerge.docx\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"\"}]}]","format":"rich2","dateInserted":"2025-11-27T11:02:25+00:00","insertUser":{"userID":2808,"name":"lana.graham","url":"https:\/\/community.iress.com\/ic\/profile\/lana.graham","photoUrl":"https:\/\/us.v-cdn.net\/6038637\/uploads\/userpics\/7PVND6864CTT\/nI8MV9OUW9YAQ.jpg","dateLastActive":"2026-07-22T05:26:44+00:00","banned":0,"punished":0,"private":false,"label":"staff","labelHtml":"staff","rankID":100},"displayOptions":{"showUserLabel":false,"showCompactUserInfo":true,"showDiscussionLink":true,"showPostLink":true,"showCategoryLink":false,"renderFullContent":false,"expandByDefault":false},"url":"https:\/\/community.iress.com\/ic\/discussion\/81297\/super-contribution-data-cap-calculations-uplift-in-xplan","embedType":"quote","name":"Super Contribution Data & Cap Calculations Uplift in Xplan","embedStyle":"rich_embed_card"}"> https://community.iress.com/ic/discussion/81297/super-contribution-data-cap-calculations-uplift-in-xplan

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Strategic New Features

Workflow & UI Enhancements

Updated Defaults

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Xtools+ — Iress Community

🤓 Xplan Hint: Balancing your SMSF in Xtools+

🤓 Xplan Hint: Other SMSF members

🤓 Xplan Hint: Tracking Super Contributions

Key Features at a Glance

How the Data is Calculated

Flexibility and Compliance Details

Notes and Document linking

Xtools/Xtools+ Contribution Cap Calculations

🤓 Xplan Hint: Relocated Minimum Balance on Reboot

🤓 Xplan Hint: Compare Xtools+ Scenarios

How to Compare Charts

References

🤓 Xplan Hint: Automated regular rollovers between super accounts

🤓 Xplan Hint: Xtools+ Super & Pension Strategies revisited

🤓 Xplan Hint: Smarter Defaults for Super Contributions

🤓 Xplan Hint: A New Way to Consolidate Super.

6th May AMA: I’m Lana Graham, Xtools+ product manager, Ask Me Anything!

🤓 Xplan Hint: Easier Key Date Modelling

🤓 Xplan Hint: End of Period Transactions Screen

🤓 Xplan Hint: Best practice: lock your scenarios

🤓Xplan Hint: Import Super Contribution Data from Client Focus

Xtools+ — Iress Community

🤓 Xplan Hint: Balancing your SMSF in Xtools+

🤓 Xplan Hint: Other SMSF members

🤓 Xplan Hint: Tracking Super Contributions

Key Features at a Glance

How the Data is Calculated

Flexibility and Compliance Details

Notes and Document linking

Xtools/Xtools+ Contribution Cap Calculations

🤓 Xplan Hint: Relocated Minimum Balance on Reboot

🤓 Xplan Hint: Compare Xtools+ Scenarios

How to Compare Charts

References

🤓 Xplan Hint: Automated regular rollovers between super accounts

<\/h4><\/div>\n <\/div>\n<\/div>\n\n \n

🤓 Xplan Hint: Xtools+ Super & Pension Strategies revisited

Strategic New Features

Workflow & UI Enhancements

Updated Defaults

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🤓 Xplan Hint: Smarter Defaults for Super Contributions

🤓 Xplan Hint: A New Way to Consolidate Super.

6th May AMA: I’m Lana Graham, Xtools+ product manager, Ask Me Anything!

🤓 Xplan Hint: Easier Key Date Modelling

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🤓 Xplan Hint: End of Period Transactions Screen

🤓 Xplan Hint: Best practice: lock your scenarios

XTOOLS that Support Scenario Locking<\/h3>\n\nXTOOLS+<\/a><\/li>\n<\/ul>\nTo lock an XTOOL Scenario<\/h3>\n\nAccess an XTOOL. A list of existing scenarios displays.<\/li>\n

To lock an XTOOL Scenario<\/h3>\n\nAccess an XTOOL. A list of existing scenarios displays.<\/li>\n

🤓Xplan Hint: Import Super Contribution Data from Client Focus

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