What do I do if my employer isn't paying my super?

First, raise it directly with your employer. If unresolved, you can lodge an 'Unpaid super enquiry' with the ATO via their website. The ATO can investigate and enforce payment, including penalties for non-compliance. Act quickly — delays make recovery harder.

Is super paid on bonuses and overtime?

Generally, SG is calculated on Ordinary Time Earnings (OTE). Bonuses are usually included in OTE and attract SG. Overtime is generally excluded, but this can depend on your employment contract or award. Check with your employer or the ATO for clarity.

When should I receive my super?

Employers must pay SG at least quarterly, within 28 days after the end of each quarter. For example, SG for the July-September quarter must be paid by 28 October. Some employers pay monthly as a goodwill practice.

Do casual employees get super?

Yes. Since July 2022, all casual employees are entitled to SG regardless of how much they earn or how many hours they work. The previous $450/month threshold has been removed.

Employer SG Calculator

Calculator

Calculate your employer's Super Guarantee contributions and check you're being paid the correct amount.

Free to useNo data storedAI insightsUpdated: February 2026

Every Australian employer must pay Super Guarantee (SG) contributions on top of your salary. As of 1 July 2025, the rate is 12%. But many Australians don't check whether they're actually receiving the correct amount. Our Employer SG Calculator helps you verify your entitlements and understand what to do if there's a shortfall.

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Real-World Examples

Full-time Employee Check

Emma earns $95,000/year on a full-time salary. Her employer should be paying 12% SG.

Emma should receive $11,400/year ($950/month or $2,850/quarter) in employer super contributions. She can check by logging into her super fund to verify these amounts are being deposited.

Part-time Worker

Raj works 3 days a week earning $42,000/year (ordinary time earnings).

Raj is entitled to $5,040/year in SG contributions regardless of being part-time. There is no minimum hours or earnings threshold. If his employer isn't paying, he should contact the ATO.

Frequently Asked Questions

Glossary

Super Guarantee (SG)

The compulsory superannuation contribution that employers must pay on behalf of their employees. Currently 12% of ordinary time earnings.

Ordinary Time Earnings (OTE)

The base salary and regular allowances an employee earns for their ordinary hours of work. Generally excludes overtime but includes most bonuses.

SG Charge

A penalty imposed on employers who fail to pay SG on time. Includes the shortfall amount, interest (currently 10% pa), and an administrative fee of $20 per employee per quarter.

Related Tools

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How to Use

1Enter your annual salary or ordinary time earnings.
2Select your pay frequency and employment type.
3Confirm the current SG rate (12% from 1 July 2025).
4Indicate whether your income includes overtime or bonuses.
5Compare the calculated SG with what actually appears in your super fund.

Key Information

The SG rate is 12% from 1 July 2025 (up from 11.5%).
SG is calculated on your ordinary time earnings (OTE), which excludes overtime in most cases.
Employers must pay SG quarterly — within 28 days after the end of each quarter.
There is no minimum earnings threshold — even a $1 pay triggers SG obligations.

Pro Tips

Log into your super fund every quarter to check contributions are being received on time.
Keep pay slips that show super contributions — they're evidence if there's a dispute.
If you're a contractor, check if you're classified as an 'employee for SG purposes' — you might still be entitled to SG.
The ATO has a free tool to report unpaid super if your employer isn't meeting their obligations.

Avoid These Mistakes

Assuming your employer is paying SG correctly without ever checking your super fund balance.
Including overtime pay in your SG calculation — SG is only on ordinary time earnings.
Not realising that salary sacrifice comes ON TOP of SG, not instead of it.
Waiting too long to report unpaid super — the ATO can only go back a limited period.

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Interest rates, fees, and policies change frequently. Always verify information with lenders directly. This is general information, not personal financial advice. Consider seeking advice from a licensed mortgage broker or financial advisor.

Last updated: February 2026