Australian Portfolio Tracker
Super, SMSF, and personal brokerage in one AUD-denominated view. Franking credits, 50% CGT discount, and contribution caps handled where they actually affect decisions.
SMSF + personal in one view
Self-managed super alongside your CommSec, Stake, IBKR, and personal cash accounts. One AUD-denominated net worth.
Contribution caps tracked
Concessional ($30k) and non-concessional ($120k) caps with bring-forward room calculator. Division 293 income flag.
Franking credits
Imputation credits gross-up automatically on AU dividends. Refundable franking credit estimate visible at tax time.
50% CGT discount
Holdings tagged by acquisition date; 12-month rule applied automatically. Realised gains classified as eligible vs ineligible for the discount.
AUD-first reporting
US holdings auto-converted at the relevant date. W-8BEN 15% withholding on US dividends shown net.
EOFY exports
CSV exports tax-formatted for your accountant: capital gains schedule, dividend statement, foreign income summary.
Why Australian investors need tax-aware tracking
Three quirks make Australian investing different. Franking credits on Australian dividends are refundable — for many retirees, ignoring them means under-stating effective yield by 30%+. The 50% CGT discount on assets held over 12 months radically changes after-tax returns; selling on day 364 vs day 366 is a real tax cliff. And contribution caps are easy to breach if you have multiple super accounts or both employer SG and personal contributions.
WealthWatch handles all three. Franking credits gross up on the dividend ledger; the holding clock starts at acquisition for the 50% discount; concessional and non-concessional caps tally automatically as contributions arrive.
SMSF + industry / retail super
SMSFs with brokerage access connect via standard broker connections (CommSec, Stake, IBKR Australia). Industry and retail funds (AustralianSuper, REST, Cbus, Hostplus, Australian Retirement Trust) don't have public APIs — for those, use CSV import to log your half-yearly statements. Either way, contributions get tagged correctly and the cap tracker reflects reality.
EOFY workflow
At financial year end (30 June), use the Export page to pull a CSV containing realised capital gains (with discount eligibility), dividend income (with franking credits), and foreign income (with withholding paid). Hand it to your accountant or paste it into MyTax — saves the typical hour of reconstructing trade history from broker PDFs.