Employer Super Contribution Calculator

Under Australian law, your employer must pay a percentage of your salary into your super fund, this is called the Super Guarantee (SG). Use the calculator below to estimate what you should be receiving, then check the sections underneath to understand how it works and what to do if you think you're being underpaid.

Your employer should contribute (at the current 12% SG rate)
$0

Based on the Superannuation Guarantee (SG) rate of 12%, current from 1 July 2025. Your employer generally must pay this on your ordinary time earnings, at least quarterly. This is a simplified estimate — actual obligations can vary based on your employment type and earnings structure. Not financial or legal advice.

How the Super Guarantee Works

The Super Guarantee rate is currently 12% of your ordinary time earnings, effective from 1 July 2025. Your employer must pay this into a complying super fund on your behalf it's paid in addition to your salary, not deducted from it. Payments are generally required at least quarterly, though many employers now pay in line with each pay cycle.

"Ordinary time earnings" typically includes your regular wages, most allowances, and commissions, but usually excludes overtime. If you're unsure exactly what counts for your role, the Australian Taxation Office (ATO) has detailed guidance, and your payslip should show the contribution being made.
Who Is Entitled to Super Guarantee Payments?

Most employees are entitled to SG contributions if they're paid $450 or more before tax in a month (note: this threshold was removed from 1 July 2022, so contributions are now generally required regardless of how little you earn in a month, provided other eligibility criteria are met). This includes full-time, part-time, and casual employees, and in many cases, contractors paid primarily for their labour. Temporary residents working in Australia are also generally entitled to SG contributions.
What to Do If You Think You're Being Underpaid

Check your payslip and super fund statements against the estimate above. If there's a consistent shortfall:

1. Raise it directly with your employer or payroll team first it's sometimes a simple administrative error.

2. If unresolved, you can report unpaid super to the ATO, which has the power to investigate and recover unpaid contributions on your behalf.

3. Keep records of your payslips and super statements, as these will support any claim.

Frequently Asked Questions

Does the Super Guarantee rate ever change?

Yes. The SG rate has increased gradually over recent years and reached its current legislated rate of 12% on 1 July 2025. Check the ATO website for the current rate, as this calculator will be updated if it changes again.

Is superannuation paid on overtime?

Generally no — overtime payments are typically excluded from ordinary time earnings, though this can depend on your specific award or employment agreement.

Can I choose which fund my super goes into?

In most cases, yes. Most employees have the right to choose their own super fund; if you don't make a choice, your employer will generally pay into your existing fund or a default fund, or an ATO-nominated "stapled" fund.

Disclaimer: This information is general in nature and not financial or legal advice. See our full Disclaimer for details.