Savings allocation profile: automate the inside vs outside super split

Manual (default): the engine reads your voluntary concessional and non-concessional inputs from the Super tab as-is. No automation, no override — the numbers you set are exactly what the engine uses each year.

Bridge-aware split: the engine targets enough non-super to fund the gap between retirement and preservation age (using the same bridge-funding minimum the consolidation strategies use). When projected non-super is below the target, surplus routes to non-super. When at or above target, surplus routes into super first up to the concessional cap, then NCC up to the cap, then back to non-super. Self-balances each year as your plan changes.

Front-load super then pivot: until the switch age you choose, the engine sizes voluntary CC at the concessional cap minus your employer SG (and bounded by what's affordable from gross income minus expenses). At the switch age, voluntary CC drops to zero and surplus pivots fully to non-super for the rest of the working years.

Late pivot to non-super: behaves like manual until the pivot age you choose. From the pivot age onward, voluntary CC drops to zero, surplus flows to non-super, and any super-consolidation strategy is suppressed.

Some users pick bridge-aware split because they want a single setting that adapts to market moves and life events without re-tuning voluntary contributions every year.

Some users pick front-load super because the 15% concessional environment compounds, and they want maximum tax-advantaged growth in their early high-earning years before pivoting to bridge-fund accumulation.

Some users pick late-pivot because they trust their existing voluntary contribution levels but want a clean stop-and-pivot at a specific age (e.g., when bonuses end or a partner's income changes).

Some users pick manual because they want hand-set control year-to-year and don't want the engine to override their voluntary CC/NCC numeric inputs.

Bridge-aware split is responsive but means voluntary CC can swing year to year — lumpy salary-sacrifice arrangements may not fit some employers' payroll systems.

Front-load super assumes a switch age you can predict today. If your income or expenses change materially before the switch, you may need to revisit. The pre-switch CC is bounded by an affordability ceiling so the model never simulates contributions you couldn't fund, but the assumption is still an estimate.

Late-pivot suppresses super consolidation past the pivot age. If you had picked smooth or aggressive_last_3, those strategies stop firing — by design (rule 4 of the precedence rules), but worth knowing if you previously relied on them.

Inspired by Passive Investing Australia's framing on how much to save inside vs outside super. ProjectFi can implement the bridge-aware variant directly because the engine already computes the bridge-funding minimum.