The complete guide to SMSF setup costs in Australia 2026
Setting up a Self-Managed Super Fund (SMSF) is a serious financial step. It gives you control over your retirement savings, but it also comes with setup responsibilities, legal obligations, and compliance costs. Understanding SMSF setup costs upfront helps you plan better and avoid surprises later. At eSMSF Accountant, we work with accountants, administrators, and trustees who want clarity on how much it costs to set up an SMSF in 202 6 – and how to manage ongoing costs effectively. What’s included in SMSF setup costs The total setup cost depends on your fund’s structure and the level of professional help you need. On average, SMSF setup costs range from $1,000 to $2,500 when done through a registered accountant or SMSF administrator. A typical setup includes: • Establishing the SMSF trust deed and trustee structure • Applying for an Australian Business Number (ABN) and Tax File Number (TFN) • Opening a dedic...