Loading 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
The rate and the maximum contribution base both change by year.
Your employer super guarantee contributions for 2026–27
Matches how you entered your pay
The same salary priced at each earlier year’s rate and that year’s own earnings ceiling.
Note: Super Guarantee (SG) is paid by your employer in addition to your salary. The rate for 2026–27 is 12% — 12% since 1 July 2025, the legislated maximum. This is factual information — it works out your compulsory super contribution from the salary you enter — not general or personal advice about your super or any product.
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.
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.
Yes. Since July 2022, all employees are entitled to SG regardless of how much they earn. The old $450 per month threshold was removed.
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.
Unless your contract specifically says your salary is 'inclusive of super' or 'total package', super should be paid on top of your 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.
Rates checked against the ATO, verified 8 September 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.
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
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.