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This article focuses on scenarios involving additional contributions. A separate calculator flow exists for SMSF servicing based solely on super guarantee and rental income.
Entering Super Contributions
Start by entering the standard super guarantee amounts for each applicant.
If your client plans to make additional contributions:
Enter any additional concessional contributions
Enter any non-concessional contributions, if applicable
For example:
Applicant One contributes up to the concessional cap and adds a non-concessional contribution
Applicant Two contributes an additional concessional amount
As soon as additional contributions are entered, the calculator updates and may introduce additional lender-specific requirements.
Individual Validation Requirement
When additional contributions are included, some lenders require individual servicing validation.
This is because certain lenders assess whether borrowers are:
Solely reliant on SMSF income, or
Personally capable of supporting contributions if required
To support this, the calculator prompts you to complete individual servicing details.
Completing Individual Servicing
Use the embedded shortcut to access Quickli servicing and complete individual validation.
You will need to enter:
Personal income
Existing liabilities (credit cards, home loans, personal loans)
Other standard servicing inputs
Once completed, return to the SMSF calculator. You will now see additional lender results included.
Liquid Asset Position (Post-Settlement)
Lenders apply different rules for minimum liquid assets required after settlement.
To simplify this:
Open the Funds Position helper
Enter the client’s total super balance
Enter the proposed loan amount
The calculator automatically determines the post-settlement liquid asset position
You can then copy this value directly back into the servicing field.
Property and Loan Details
Complete the remaining SMSF inputs, including:
Property Details
Property type: Residential, short-term accommodation, or commercial
Proposed rental income
Whether a current lease is in place
Loan Details
Loan purpose
Loan amount
Residential or commercial classification
Liabilities and Expenses
Add any existing SMSF liabilities if applicable
Enter SMSF expense breakdowns to reflect ongoing costs
Reviewing and Comparing Results
Once all inputs are complete:
Select a lender (for example, ThinkTank)
Click Compare Results
Allow the calculator to generate the servicing summary
You can then download the results for review or client presentation.
Understanding the Results
The SMSF calculator clearly displays:
Super guarantee contributions
Additional concessional and non-concessional contributions
Proposed rental income
Post-settlement liquid asset position
Key servicing metrics include:
Debt-to-Income (DTI)
Cash flow surplus
Debt Service Coverage Ratio (DSCR)
These figures are displayed consistently between the comparison view and the downloadable report, ensuring accuracy and transparency.
Support
If you have questions about SMSF servicing, additional contribution scenarios, or lender requirements:
Reach out via the in-app chat
Our team is happy to assist and clarify any results
The SMSF Calculator is designed to give you confidence when structuring SMSF lending scenarios involving additional member contributions.