Super guarantee calculator

Your employer has to pay super for you on top of your pay. The minimum is the super guarantee, 12% of your earnings.

Enter your earnings for a year, month, fortnight or week to see the super that should go into your fund.

How it's calculated

Your earnings are multiplied by the super guarantee rate of 12%.
From 1 July 2026 the maximum contribution base is $270,830 a year. Your employer does not have to pay super guarantee on earnings above it.
The yearly amount is split into your pay periods.

On $85,000 a year your employer pays at least $10,200 into your super, so your total package is $95,200.

When does my employer have to pay my super?

With Payday Super, from 1 July 2026 employers pay super guarantee for each payday. Before that, they paid it at least every quarter.

Is super guarantee taken out of my salary?

No. It is paid on top of your salary, unless your contract states a package that already includes super.

Has the rate changed?

It rose from 11.5% in 2024-25 to 12% from 1 July 2025, and the ATO lists the same rate for later years.

Super guarantee: The minimum super your employer must pay into your fund.
Maximum contribution base: The earnings limit above which your employer does not have to pay super guarantee.
Payday Super: The rule from 1 July 2026 that employers pay super for each payday.