Calculate your employer's Super Guarantee contributions and check you're being paid the correct amount.
Updated October 2026Built and checked by MaverickHow it's calculatedReport an error
Annual SG
$10,200
at 12% rate
Per month
$850
should appear on payslip
Total compensation
$95,200
salary + SG
5-year SG
$51,000
straight-line projection
At today's salary, before the fund's 15% contributions tax and any investment returns.
The SG rate rose from 10.5% in 2022-23 to 12% from July 2025. Your payslip shows the rate your employer pays.
Every Australian employer must pay Super Guarantee (SG) contributions on top of your salary. From 1 July 2025 the rate is 12%, and from 1 July 2026 employers must pay it with each pay rather than quarterly (Payday Super). This calculator works out the SG on your earnings, per pay and per year, so you can check it against what reaches your super fund.
Across 50 MySuper products, the typical return over the ten years to 30 June 2026 was 8.0% a year after fees and tax, and the typical fee on a $50,000 balance was $408 a year, from APRA's data.
The national minimum wage is $26.44 an hour, or $1,004.90 for a 38-hour week, from 1 July 2026. Most jobs are covered by an award that pays more.
Emma earns $95,000 a year on a full-time salary and is paid monthly. Her employer pays the 12% minimum.
Emma's SG is $11,400 a year, or $950 with each monthly pay. She can check her super fund account to see each $950 arrive within 7 business days of payday.
Raj works 3 days a week earning $42,000 a year in ordinary time earnings.
Raj is entitled to $5,040 a year in SG, about $194 each fortnight, regardless of working part-time: there is no minimum hours or earnings threshold for adults. If it isn't arriving, he can raise it with his employer and then report it to the ATO.