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SMSF Fees & What's Included

Quick answer: ESUPERFUND currently charges $1,599 including GST per fund, per financial year for its ongoing ESUPERFUND Annual Administration Fee after the first financial year. For eligible new clients, SMSF Setup is FREE and the First Financial Year ESUPERFUND Annual Administration Fee is FREE if you proceed with setup and activation. The annual fee covers Annual Tax Return and Compliance Services plus Ongoing Administration, Technology and Support Services. Separate costs may apply, including the ATO Annual Supervisory Levy, Company Trustee Setup Fee where applicable and Investment Fees.
Start Your SMSF ApplicationView Current Fee Schedule

How Much Does ESUPERFUND Cost?

For a new SMSF, the current public fee structure separates establishment, the first financial year, ongoing administration and any company-trustee cost.

SMSF Establishment
FREE

ESUPERFUND attends to the SMSF establishment requirements listed in the New SMSF Setup Fee information. Company and third-party costs can still apply.

First Financial Year Annual Admin Fee
FREE

For eligible new clients who proceed with setup and activation. The first financial year runs from establishment to the next 30 June.

Ongoing Annual Adminstration Fee
$1,599 incl. GST

Per fund, per financial year after the first financial year. The current charging basis does not vary with transaction volume, fund size or member count within ESUPERFUND's service limits. The fee is reviewed annually.

The Annual Administration Fee is a fixed charging basis, not a permanently fixed dollar amount. ESUPERFUND's terms provide for the fee to be reviewed annually. It is also not the total cost of operating an SMSF.

What Is Included in ESUPERFUND FREE SMSF Setup?

FREE SMSF Setup refers to the ESUPERFUND establishment work provided for eligible new clients.

SMSF Trust Deed.
Documentation to appoint Trustees.
Trustee Declarations.
Lodgement of the election for the SMSF to become a regulated SMSF.
ATO application for the SMSF Tax File Number.
ATO application for the SMSF Australian Business Number.
Sample Investment Strategy that trustees may adopt or modify.
Resolutions and minutes acknowledging establishment.
Application documentation for supported transaction-bank and broker arrangements described in ESUPERFUND's setup information.

What Is Included in the ESUPERFUND Annual Administration Fee?

The annual service is grouped into the two categories used in the current ESUPERFUND Fee Schedule.

Annual Financial Reporting and Compliance Services

  • Preparation of the annual Balance Sheet.
  • Preparation of the annual Profit & Loss Statement (Operating Statement).
  • Preparation of annual Member Statements.
  • Preparation of annual Trustee Resolutions and Minutes.
  • Preparation and lodgement of the Fund's annual Income Tax Return.
  • Preparation of the Fund's annual financial statements.
  • Coordination and preparation of the Fund for its independent annual audit.
  • Liaison with the approved SMSF auditor and responses to audit queries where required.

Ongoing Administration, Technology and Support Services

  • Access to the ESUPERFUND Client Portal and proprietary administration platform.
  • Ongoing collection, validation, processing and reconciliation of financial information and transactions.
  • Electronic storage and maintenance of Fund records and documentation.
  • Access to pension, death benefit agreement and other Fund administration documents.
  • Maintenance of banking, broker, SuperStream and other third-party data integrations.
  • Client support, administration checklists and compliance workflows throughout the year.
  • Regulatory monitoring to support ongoing compliance obligations.
  • Software provision, system hosting, cybersecurity, data protection, platform maintenance and technology upgrades.
Independent audit and trustee responsibilities: ESUPERFUND coordinates and prepares the Fund for the audit, while an approved independent SMSF auditor conducts it. Trustees still need to provide requested information, review the Compliance Documentation and sign the relevant declarations before lodgement.

Which Pension and Estate Administration Services Are Included?

Supported Pension Commencement

Supported pension commencement, including multiple pensions where applicable, is provided at No Additional Cost under the current pension-fee information.

Annual Pension Administration

Annual pension-payment recalculations and supported annual pension administration are provided at No Additional Cost.

Death Benefit Agreement

ESUPERFUND states that a Death Benefit Agreement can be implemented at No Additional Cost.

Separate cost: An Actuarial Certificate can be required in some circumstances and is not included in the ESUPERFUND Annual Administration Fee.

Which Fees Are Not Included?

The Fee Schedule separates additional costs into Other ESUPERFUND Services and Non ESUPERFUND Fees. The annual administration fee is not the total cost of running an SMSF.

Other ESUPERFUND Services

Additional ESUPERFUND charges can apply when specific events or services are requested.

  • Actuarial Certificate.
  • Wind Up.
  • Trust Deed Update.
  • Property Loan.
  • Trustee and Member Change.

Check the current Fee Schedule → 

Non ESUPERFUND Fees

External, statutory and investment-related costs can include:

  • ATO Annual Supervisory Levy.
  • Company Trustee Setup Fee, where applicable.
  • ASIC Fee for Company Trustee.
  • Investment Fees.
  • Stamp Duty on Trust Deed, where applicable.

Investment-related costs can also include brokerage, banking/product fees, insurance, property, lending and other third-party expenses depending on the investments and services selected.

The ATO Annual Supervisory Levy is a statutory charge paid to the ATO, not an ESUPERFUND fee.

When Is the ESUPERFUND Annual Administration Fee Payable?

For new SMSF setups, the Annual Administration Fee is payable on 15 January each year after the first financial year.

Step 1

First financial year

The period runs from the SMSF's establishment date to the next 30 June. For eligible new clients, this Annual Administration Fee is FREE if setup and activation proceed.

Step 2

After the first financial year

The standard Annual Administration Fee applies for subsequent financial years and is reviewed annually.

Step 3

15 January payment

The annual fee is paid from the SMSF Transaction Account and may be deducted automatically under the authority provided during establishment.

Read the Annual Administration Fee details → 

Common questions about ESUPERFUND

Is SMSF setup really free with ESUPERFUND?

ESUPERFUND currently charges no ESUPERFUND fee for the SMSF Establishment service. Separate costs may still apply, including the ATO Annual Supervisory Levy, Company Trustee Setup Fee where applicable, ASIC company charges and Investment Fees.

Is the first year of ESUPERFUND administration free?

The First Financial Year ESUPERFUND Annual Administration Fee is FREE for eligible new clients who proceed with setup and activation of the SMSF account. A financial year ends on 30 June, so the first financial year is not necessarily 12 months.

What does the $1,599 annual fee include?

The current $1,599 including GST fee covers ESUPERFUND's Annual Tax Return and Compliance Services and Ongoing Administration, Technology and Support Services, including Annual Financial Statements, Member Statements, Trustee Resolutions and Minutes, Annual Income Tax Return preparation and lodgement, independent annual audit coordination, Client Portal access and ongoing administration workflows.

Does the annual fee change with investment type, fund size or transaction numbers?

The current charging basis does not vary with investment type, transaction volume, fund size or member count within ESUPERFUND's service limits.. The fee is reviewed annually. 

Are pension administration services charged separately?

Supported pension commencement and annual pension administration are provided at No Additional Cost under the current Pension Fees information. An Actuarial Certificate is a separate cost when required.

Is the independent annual audit included?

The Annual Administration Fee covers the annual audit-related service described in the Fee Schedule. ESUPERFUND coordinates and prepares the Fund for its independent annual audit and liaises with the approved SMSF auditor; the auditor remains independent.

Where can I check all current fees?

Use the ESUPERFUND Fee Schedule as the main fee summary, then follow the linked detail pages for New SMSF Setup Fee, Annual Administration Fee, Pension Fees.

Review the Fees, Inclusions and Terms

Use the Fee Schedule as the main pricing reference and the linked service pages for additional detail. If you have already decided to establish an SMSF with ESUPERFUND, you can begin the online application.

Start Your SMSF ApplicationView Current Fee Schedule
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ESUPERFUND Pty Ltd as Trustee for ESUPERFUND Trust ABN 37 842 535 715

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General Advice Warning

No Advice Express or Implied: The contents of this website are of a general nature only and have not been prepared to take into account any particular investor's objectives, financial situation or particular needs. ESUPERFUND does not provide financial product advice or recommend any financial products either expressly or implied. ESUPERFUND expressly states that it does not recommend, represent as suitable, or endorse any financial product or service available through ESUPERFUND. This applies equally to those financial products which are established for your SMSF when you become a client of ESUPERFUND. Any information provided in relation to any financial product or service available through ESUPERFUND is factual information only about the operation of the account and how data is made available to ESUPERFUND. Where this website refers to a particular financial product then you should obtain a Product Disclosure Statement (PDS) relating to that product and consider the PDS before making any decision about whether to acquire the product. We also recommend that you should seek professional advice (see below) from a financial adviser before making any decision to purchase any financial product referred to on this website. While the sources for the material are considered reliable, responsibility is not accepted for any inaccuracies, errors or omissions.

Seek Professional Advice from a Financial Adviser: ESUPERFUND is a no advice model and does not provide financial, legal or tax advice to clients. We recommend that you seek appropriate professional advice in view of your personal circumstances. A licensed financial adviser will consider your personal situation and make a recommendation suitable to your financial needs. All information detailed on our website is purely factual and is general in nature. Accordingly, you should not rely on it. It should always be remembered that Trustees are legally responsible for all the decisions made even if you obtain advice from a Financial Planner. Whilst a Financial Professional can provide advice and assistance you are ultimately responsible for the Fund.

Fees: Fees relating to operating your SMSF with ESUPERFUND are detailed on our fee page here. When setting up an SMSF it is important to understand that additional fees may apply that must be carefully considered prior to making a decision to set up an SMSF including an ATO Supervisory Levy, Company Trustee Setup Fee (where applicable), and Investment Fees.