Australian super guarantee: 12% of qualifying earnings each payday, to $270,830 a year
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 16 Oct 2026.Australian employers pay a super guarantee of 12% of qualifying earnings, on top of wages, with each payday from 1 July 2026. $3,000 a fortnight earns $360 of super each payday and $9,360 a year. Super is only required on earnings up to the 2026-27 maximum contribution base of $270,830.
2026-27 · Rates and rules read from the sources listed on this page (the earliest on 16 Oct 2026); they may have changed since.
Type the pay before tax and choose whether it is a year, a month, a fortnight or a week.
Choose whether super is paid on top of that pay or is included in a total package.
Keep 12% or type a higher rate from your award or agreement.
Read the super for each payday and for the year, and whether the maximum contribution base is reached.
The super guarantee is the minimum an Australian employer must pay into an employee's superannuation fund. This calculator works out the amount for each payday and for the year, following the Australian Taxation Office's super guarantee and Payday Super pages.
The rate. The super guarantee is 12% of qualifying earnings, the rate since 1 July 2025 and for the whole of 2026-27. It is paid on top of wages, not taken out of them. An award, enterprise agreement or contract may require more; type that rate instead.
Payday Super. From 1 July 2026 super is worked out and paid for each payday, and it must reach the fund within 7 business days. The ATO's example: Caroline is paid $3,000 on 10 July 2026, so her employer pays $360 of super by 21 July.
Qualifying earnings. These are pay for ordinary hours, including most allowances, bonuses and paid leave, all commissions, and salary sacrificed into super. Overtime is usually left out. Type the qualifying part of your pay.
The maximum contribution base. For 2026-27 the employer need not pay the minimum on qualifying earnings above $270,830 for the year, so the most super guarantee required is $32,499.60. The calculator says after which pay it stops.
Packages that include super. Choose a package including super and the calculator divides it by 1.12: $112,000 is $100,000 of salary and $12,000 of super.
Age. Employees under 18 are only owed super for a week of more than 30 hours. From 18, super is due however few hours are worked.
Not included. Norfolk Island's transitional 11%, extra award super on other pay, salary sacrifice on top and the super guarantee charge. An estimate, not financial advice.
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The super guarantee is 12% of an employee's qualifying earnings, the rate since 1 July 2025 and unchanged for 1 July 2026 to 30 June 2027. An employer pays it on top of wages, so $3,000 of fortnightly pay earns $360 of super each payday, or $9,360 over a year.
From 1 July 2026 employers pay the super guarantee for each payday instead of at least quarterly. The contribution must reach the employee's fund within 7 business days of the payday. The 12% rate and the employees who qualify did not change; only the timing did.
The maximum contribution base is $270,830 of qualifying earnings for the 2026-27 financial year. Once an employee's earnings paid that year reach it, the employer can stop paying the minimum, so the most super guarantee required is $32,499.60. Before July 2026 the base was $62,500 a quarter.
Super applies to qualifying earnings: pay for ordinary hours, most allowances, bonuses, paid leave, all commissions and any salary you sacrifice into super. Overtime is usually excluded. An award or agreement may require super on more of your pay, or at a higher rate than 12%.
Divide the package by 1 plus the super rate. At 12%, a $112,000 package including super is $100,000 of salary and $12,000 of super. Above the maximum contribution base, super is fixed at $32,499.60 and the rest of the package is salary.
Employees under 18 get the super guarantee only for a week in which they work more than 30 hours. Employees aged 18 or older get it however few hours they work and however little they are paid, as the ATO's eligibility page states.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Australia Super Guarantee Calculator and anybody who knows can answer. No account needed.
Same job, other tools: Australia Take-Home Pay Calculator – Pay after tax in Australia for 2026-27, per year and per month, with super shown on top · Salary After Tax Calculator – Old regime or new regime, and what each leaves you every month · Notice Period Buyout Calculator – What an employer recovers for the notice days you do not serve.
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