Superannuation Calculator
Calculate employer super contributions based on the current Superannuation Guarantee rate and the maximum contribution base.
Last verified: 1 July 2025Your employer must pay 12% of your ordinary time earnings into super. On a $70,000 salary, that's $8,400 per year. The super guarantee applies to all employees regardless of how much they earn, including casuals and part-timers.
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The super rate is 12% for 2025-26. Enter your salary to check your employer is paying the right amount. $5 billion goes unpaid every year.
Do Apprentices Get Superannuation? Yes — Here's Exactly How Much (2026)Yes, apprentices get super at 12% of ordinary time earnings — from the first dollar, every pay. Learn when super starts, how much you should receive, how to check your employer is paying, and common mistakes employers make with apprentice super.
Payday Super: The Biggest Payroll Compliance Change in a Decade Hits 1 July 2026From 1 July 2026, employers must pay super on payday — not quarterly. Penalties hit 25-50% of shortfalls. Here's what every Australian employer needs to do now, and what employees should watch for.
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General information and estimates only — not legal, financial, or tax advice. Always verify with the Fair Work Ombudsman (13 13 94) or a qualified professional.
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The super guarantee rate stays at 12% for 2026-27. There is no legislated increase to 12.5%. What actually changes on 1 July 2026 is Payday Super. Here's the breakdown.
Payday Super Safe Harbour Rules: How Employers Avoid SGC Penalties (2026)Understand the payday super safe harbour provisions that protect employers from SGC penalties when super is paid on time. Covers the 7-day payment window, clearing house rules, what qualifies as safe harbour, and what actions break your protection under the new 2026 rules.
Is Super Going to 12.5% in July 2026? No — Here's WhyThe super guarantee stays at 12% from 1 July 2026. There is no legislated increase to 12.5%. Here's what actually changes on 1 July 2026 — Payday Super — and why the 12.5% claim is a myth.