🇦🇺 Australia Superannuation Calculator
Calculate your employer superannuation contributions at the 2026-27 rate of 12% and see quarterly, monthly, and weekly breakdowns.
Contexte de la Regle Regionale
Australia Taux et Regles
Tranches d'Imposition
Entrez les valeurs
Your ordinary time earnings (OTE)
Default SG rate is 12% for 2026-27
Resultat
Entrez les valeurs ci-dessus et cliquez sur Calculer pour voir votre resultat.
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Avis : Avis : Ce calculateur utilise les regles publiques en vigueur a la date indiquee. Les resultats sont a titre informatif uniquement. Verifiez aupres des sources officielles. Derniere verification: 1 mars 2026.
Formule
Employers must contribute the Superannuation Guarantee (SG) rate of 12% on top of your ordinary time earnings into your nominated super fund.
Questions Frequentes
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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