eeasySMSF

SMSF audience guide

SMSF for contractors, consultants and freelancers

If you contract through a Pty Ltd or operate as a sole trader, an SMSF gives you direct control over your superannuation contributions, investment strategy, and how concessional caps are managed across the year.

Why contractors and consultants use an SMSF

For contractors paying themselves super from a Pty Ltd, an SMSF is a clean way to centralise contributions, claim the deduction in the company, and decide exactly how the cash is invested. You can also make personal deductible contributions if you operate as a sole trader.

The key compliance trap to avoid is treating your SMSF like a second business bank account — the sole purpose test under section 62 of the SIS Act applies, and in-house asset limits under section 71 cap related-party exposure at 5%.

  • Pay yourself super from your Pty Ltd directly into the SMSF
  • Make personal deductible contributions up to the $30,000 concessional cap
  • Catch up unused cap years with carry-forward concessional contributions
  • Hold business assets the right way — without breaching in-house asset rules
  • Simpler tax planning when your contracting income varies year to year
Ready to scope a setup? See SMSF setup cost, ongoing pricing, or the SMSF vs industry fund calculator. Already running a fund? Switch your administrator.

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