About Sarah Mitchell
Sarah Mitchell is a CFA charterholder with over 11 years of experience in investment analysis and superannuation fund management. Based in Sydney, she has worked with major Australian industry funds and retail superannuation providers, advising on asset allocation, investment menu construction, and member outcomes. Her research background covers Australian equities, fixed income, and multi-asset portfolios, with a focus on long-term retirement adequacy. At CalcPhi, Sarah oversees the accuracy of all superannuation and investment calculator content, verifying methodologies against APRA reporting standards, ATO super rules, and ASIC guidance. Her work reflects current Superannuation Guarantee rates, contribution caps, and preservation age rules effective for the 2025-26 financial year.
Articles by Sarah Mitchell
- How Much Super Do You Need to Retire Comfortably in Australia?
- Salary Sacrifice Super: How to Legally Pay Less Tax and Retire Richer
- Super Contribution Caps 2026-27: Concessional and Non-Concessional Limits
- Super Investment Options Australia: Growth, Balanced or Conservative — Which Is Right?
- Catch-Up Super Contributions Australia: How to Use Unused Concessional Caps
- Spouse Super Contributions Australia: Tax Offset and How Super Splitting Works
- When Can I Access My Super? Preservation Age, Retirement and Early Release Rules
- Home Loan Pre-Approval Australia: How It Works and What You Need
- Medicare Levy Surcharge Australia: Do You Need Private Health Insurance?
- Stamp Duty Australia 2026: What You Pay in Every State and Territory
- The Power of Compound Interest: How Australians Build Wealth Over Time
- 10 First Home Buyer Mistakes Australians Make (and How to Avoid Them)
Editorial Independence
All content produced by Sarah Mitchell for CalcPhi is editorially independent. Calculator results and written content are never influenced by advertising relationships or affiliate commissions. All rates and regulatory figures are sourced directly from ATO, APRA, ASIC, RBA, or Services Australia publications. See our editorial standards for full details.
Approach to Financial Guidance
Sarah Mitchell approaches every article by asking: what does a financially literate reader actually need to make this decision with confidence? That means going beyond regulatory definitions to explain practical implications — who benefits, who doesn't, and what the numbers look like across typical income and wealth levels.
All figures are cross-checked against the ATO's individual tax rates schedule, APRA's quarterly statistics, and ASIC's MoneySmart guidance before publication. Super balance projections account for the contributions tax, the earnings tax inside accumulation phase, and the correct concessional cap for each financial year — not simplified approximations.
Mortgage and property content uses actual reducing-balance amortisation, correctly accounts for the APRA serviceability buffer in borrowing capacity estimates, and models offset account savings using the daily interest calculation method used by Australian lenders.
All CalcPhi articles authored by Sarah Mitchell are reviewed by a second qualified team member before publication. Regulatory figures are updated within 48 hours of any relevant notification or rate change.