Clearer personal super tax treatment
This patch makes the tax treatment of personal super contributions explicit and consistent throughout the projection.
Personal contributions are no longer treated as income
Personal super contributions allocate cash you already hold, so they are no longer offered when adding a Current Position income line. Salary sacrifice remains attached to employment income and is now labelled as an employer-paid contribution.
Existing saved personal-contribution lines continue to project correctly. They now show a non-blocking warning explaining that this allocation belongs under Your Plan once the surplus-allocation control is available.
For an existing line, contribution type provides the single source of truth:
- Personal deductible (concessional) reduces taxable income and is included in the concessional contribution total.
- After-tax (non-concessional) is treated as a post-tax, non-concessional contribution.
When a personal deductible contribution is selected, the form now reminds you that claiming the deduction requires a valid Notice of Intent and acknowledgement from your super fund. This is guidance rather than a duplicated checkbox.
Contributions above the concessional cap
The projection now applies the fund's 15% contributions tax to the full concessional contribution, including any amount above the annual cap. The excess remains included in assessable income with the corresponding 15% tax offset in the projection.
Contribution cap warnings now use the same contribution-type treatment as the calculation engine.
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