Do I get super if I'm a casual?

Yes. Since July 2022, all employees are entitled to SG regardless of how much they earn. The old $450 per month threshold was removed.

When should my employer pay super?

Since 1 July 2026, under Payday Super, a contribution is on time if your fund receives it within 7 business days of the day you were paid (longer in some situations, such as a new employee or a new fund). Before then the rule was quarterly, within 28 days of the end of each quarter. Late payments attract the super guarantee charge.

Is super included in my salary?

Unless your contract specifically says your salary is 'inclusive of super' or 'total package', super should be paid on top of your salary.

Does my employer keep paying super on a very high salary?

No. SG stops at the maximum contribution base — $270,830 of earnings for 2026-27. On a $500,000 salary the legal minimum is 12% of $270,830 = $32,500, not $60,000. Many employers pay above the minimum anyway — check your contract.

Super Guarantee Calculator

Calculate your employer super guarantee contributions

See how much super you receive based on your salary and the 2026–27 SG rate of 12%. SG is only payable on the first $270,830 of earnings for the year — the maximum contribution base — so this calculator stops there rather than charging the rate on your whole salary. Both figures are set by law; verify at the ATO.

Official source: ATO – Key superannuation rates and thresholds

Your Salary Details

Enter your salary to calculate employer super guarantee. Choose how you want to enter it (per year, month, fortnight or week).

Income year

The rate and the maximum contribution base both change by year.

Pay cycle (how you enter amount)

Annual gross salary

Super Guarantee Results

Your employer super guarantee contributions for 2026–27

Annual Salary$60,000

Super Guarantee Rate12.0%

Super per year$7,200

Matches how you entered your pay

Annual super contribution$7,200

SG stops above$270,830

All pay cycles

Weekly

$138

Fortnightly

$277

Monthly

$600

Earlier SG years

The same salary priced at each earlier year’s rate and that year’s own earnings ceiling.

2025–26: 12.0% = $7,200

2024–25: 11.5% = $6,900

+$300

2023–24: 11.0% = $6,600

+$600

2022–23: 10.5% = $6,300

+$900

2021–22: 10.0% = $6,000

+$1,200

Note: Super Guarantee (SG) is paid by your employer in addition to your salary. The rate for 2026–27 is 12.0% — 12.0% since 1 July 2025, the legislated maximum.

How to Use This Calculator

1Enter your annual salary or select a different pay cycle
2See your employer's super guarantee contribution at the current rate
3View the breakdown per pay period (annual, monthly, fortnightly, weekly)

What Is the Super Guarantee?

The Super Guarantee (SG) is the minimum percentage of your qualifying earnings that your employer must pay into your super fund. It's a compulsory contribution set by law.

The SG rate is 12% from 1 July 2025 and unchanged for 2026–27 — the legislated maximum. Employers who don't pay the correct amount face the Super Guarantee Charge (SGC), which includes penalties and interest.

SG Rate Schedule

2024–25: 11.5% of ordinary time earnings
2025–26 onwards: 12% of qualifying earnings (legislated maximum)
Maximum super contribution base: From 1 July 2026 (Payday Super), the ceiling moved from a quarterly to an annual limit: employers don't need to pay SG on earnings above $270,830 per employee for the year. Before 2026-27 it was a quarterly ceiling ($62,500 a quarter in 2025-26).
Qualifying earnings: From 1 July 2026 this replaced ordinary time earnings as the SG base: base salary, shift loadings, some allowances, salary sacrificed super and now all commissions, including those for work done entirely outside ordinary hours. Overtime is still excluded.

Checking Your Super

•Log into your super fund a week or two after each payday — under Payday Super the contribution should already be there
•Check your payslip shows super contributions at the correct rate
•Report missing or late super to the ATO - they can investigate and recover it
•If you earn above $270,830 for the year, check whether your employer has stopped SG at the maximum contribution base — that is legal, and above it super is a contract term rather than a legal minimum

Frequently Asked Questions

Official Sources

Rates checked against the ATO — verified 18 August 2026

Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.

Rates and thresholds last updated for the 2026–27 financial year.

About this calculator

This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.

What can move this result

It only knows the figures you type in. Offsets, deductions, prior-year losses, other income, your partner's position and anything you have not entered are not in the result, and any of them can move it a long way.
Rates and thresholds change, sometimes mid-year and occasionally with retrospective effect. Each calculator shows the financial year and the verification date it is working from — outside that year the result is wrong rather than approximate.
Assumptions are set to a reasonable default and every non-statutory one can be changed. Defaults are not predictions, and a small change to a growth or inflation assumption compounds into a large change in a long projection.
Where a result reaches two or more years into the future it is shown in today's dollars as well as future dollars, because a future-dollar figure overstates what the money will actually buy.
It is a generic calculator. It is not built around any particular product, it does not compare the market, and it cannot tell you whether a product is suitable for you.

This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.

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About this calculator

What can move this result

It only knows the figures you type in. Offsets, deductions, prior-year losses, other income, your partner's position and anything you have not entered are not in the result, and any of them can move it a long way.
Rates and thresholds change, sometimes mid-year and occasionally with retrospective effect. Each calculator shows the financial year and the verification date it is working from — outside that year the result is wrong rather than approximate.
Assumptions are set to a reasonable default and every non-statutory one can be changed. Defaults are not predictions, and a small change to a growth or inflation assumption compounds into a large change in a long projection.
Where a result reaches two or more years into the future it is shown in today's dollars as well as future dollars, because a future-dollar figure overstates what the money will actually buy.
It is a generic calculator. It is not built around any particular product, it does not compare the market, and it cannot tell you whether a product is suitable for you.