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Superannuation Calculator

Work out the employer super guarantee (SG) contribution at the 12% rate for 2025-26, depending on how your salary is quoted.

Inputs

AUD
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The super guarantee rate is 12% from 1 July 2025. "Plus super" means super is added on top of your wage; "including super" means your package already contains it, so the base wage is package ÷ 1.12. Super is capped by the maximum contribution base each quarter (around $62,500 of earnings per quarter in 2025-26).

Annual Super Contribution

Employer super guarantee
$0

How superannuation works

Superannuation is Australia's compulsory retirement savings system. Your employer must pay the super guarantee — 12% of your ordinary time earnings from 1 July 2025 — into a super fund for you. This is separate from your salary: when a job is advertised as "$80,000 plus super", you receive $80,000 in wages and $9,600 goes into super.

If a package is quoted as "including super", the headline figure already contains the contribution, so your cash wage is lower (package ÷ 1.12). Super contributions are generally taxed at 15% inside the fund rather than your marginal rate, which is why salary sacrificing extra into super can be tax-effective. The super guarantee reached its final legislated rate of 12% in 2025-26.

FAQ

What is the super rate for 2025-26?
12% of ordinary time earnings — the final step in the legislated increases, effective from 1 July 2025.
"Plus super" vs "including super"?
"Plus super" adds 12% on top of your wage; "including super" means the package already contains it, so your cash wage is the package divided by 1.12.
Is super taxed?
Employer contributions are generally taxed at 15% within the fund. Concessional contributions are capped ($30,000 a year in 2025-26).
Can I add more?
Yes — salary sacrifice or personal deductible contributions, within the concessional cap, are often taxed more favourably than salary.