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Australia Superannuation Calculator

Calculate employer superannuation contributions for 2025-26 at the Superannuation Guarantee (SG) rate of 12%. Super is paid by your employer on top of your base salary, not deducted from it. Concessional (pre-tax) contributions cap is A$30,000 per year. Super is taxed at 15% inside the fund. Employer must pay quarterly by the 28th day after each quarter.

Contexto de la Regla Regional

JurisdiccionAustralia
MonedaA$ (AUD)
Vigente desde1 jul 2025
Version1.0
Ultima revision1 mar 2026
Proxima revision1 jul 2026
Fuente: Australian Taxation Office (ATO), Fair Work CommissionVer

Australia Tasas y Reglas

Salario MinimoA$24.1/hr
Jubilacion12%
Impuesto de Medicare2%
Standard Hours38hrs/week

Tramos de Impuesto

$0 - $18,2000%
$18,201 - $45,00016%
$45,001 - $135,00030%
$135,001 - $190,00037%
$190,001+45%

Ingresa valores

Your ordinary time earnings (OTE)

0%30%

Default SG rate is 12% for 2026-27

Resultado

Ingresa los valores arriba y haz clic en Calcular para ver tu resultado.

Asistente IA

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Puedo ayudarte a entender la formula de australia superannuation calculator, interpretar tus resultados y responder preguntas de seguimiento.

Intenta preguntar

Aviso: Aviso: Esta calculadora usa reglas publicas vigentes desde la fecha indicada. Los resultados son solo informativos. Verifique con fuentes oficiales. Ultima revision: 1 mar 2026.

Formula

Super=Base Salary×12%\text{Super} = \text{Base Salary} \times 12\%

Employers must contribute the Superannuation Guarantee (SG) rate of 12% on top of your ordinary time earnings into your nominated super fund.

Preguntas Frecuentes

What is the current super rate?

The Superannuation Guarantee (SG) rate is 12% for 2025-26, legislated to stay at 12%. Your employer pays this on top of your base salary.

When does my employer pay super?

Quarterly, by the 28th day after each quarter ends (28 October, 28 January, 28 April, 28 July). Late payment attracts the Super Guarantee Charge (SGC) including interest and penalties.

What is the concessional contributions cap?

A$30,000 per year for 2025-26. This includes employer SG contributions plus any salary sacrifice. Contributions above the cap are taxed at your marginal rate instead of 15%.

How is super taxed?

Concessional (pre-tax) super contributions are taxed at 15% inside the fund. Investment earnings in the fund are also taxed at 15%. For high earners (income + super above A$250,000), an additional 15% Division 293 tax applies on contributions.

Can I make extra super contributions?

Yes. Salary sacrifice (pre-tax, up to A$30,000 cap combined with employer SG) and after-tax non-concessional contributions (up to A$120,000 per year). Extra contributions reduce taxable income and build retirement savings faster.

When can I access my super?

Generally at preservation age (60 for anyone born after 1 July 1964) when you retire. Early access is possible for severe financial hardship, terminal illness, or certain compassionate grounds approved by the ATO.

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