Guides
Superannuation, Explained Simply
Short, straight answers below. Full guides further down if you want the detail, each linked to the tool that actually helps you act on it.
Quick Answers
12% of your ordinary time earnings, effective from 1 July 2025. Check what you should be getting with our Employer Contribution Calculator.
In most cases, yes. If you don't choose, your employer pays into a default or stapled fund. Compare real options on our Compare page.
Generally once you reach your preservation age and retire, or meet another condition of release such as turning 65.
No, fees vary significantly between funds. See how much this matters over time with our Fees Impact Calculator.
Log into myGov and link it to the ATO. It will show every super account linked to your tax file number, including lost or unclaimed accounts.
Yes, generally at concessional rates lower than income tax. Compare salary sacrifice against personal contributions with our Salary Sacrifice Calculator.