Description

SMSF Buddy is a portfolio tracker and compliance planner built for Australians who run their own self-managed super fund. General-purpose trackers treat an SMSF as just another share portfolio. SMSF Buddy is shaped around what trusteeship actually involves: a mixed asset base, hard ATO deadlines, contribution caps, member accounting and an annual audit.

The defining choice is privacy. Holdings, member balances, documents and reminders are all stored in an encrypted database on your phone. There is no account to create, no cloud sync and no analytics. A biometric lock and password-protected local backups round out the vault-like approach, which matters when the data in question is your entire retirement position.

The free tier covers a single member with full tracking across seven asset categories (ASX stocks, precious metals, physical assets, commercial and residential property, cash and contributions), the ATO compliance checklist and smart recurring reminders. SMSF Pro adds the trustee-grade tooling: a live ASX and precious metals ticker, a CGT calculator that applies the 50% discount automatically, contribution cap monitoring against current ATO limits, auditor-ready PDF reports, dividend and franking credit tracking, tax lot accounting (FIFO, specific ID or average cost), pension phase drawdown and TBAR support, an encrypted document vault for trust deeds and minutes, and support for up to six members.

Pro is a single plan at $14.99 per month or $119.99 per year with a 7-day free trial, every feature included and nothing sold separately. SMSF Buddy is built by Pleme, an independent app studio, and runs on iOS and Android. For the roughly 600,000 SMSFs in Australia, it replaces the usual stack of spreadsheets, calendar reminders and folders of PDFs with one private app that lives in the trustee's pocket.