How to use the Super Calculator
- 1 Enter your ordinary time earnings, usually your base salary or wages without overtime.
- 2 Choose whether the amount is per year, month, fortnight or week.
- 3 Leave the rate at 12%, or enter a higher rate if your employer pays more.
- 4 Read the yearly super and the amount per month, fortnight and week.
Worked example
$85,000 a year at 12%. Employer super is $85,000 × 12% = $10,200 a year, which is $850 a month or about $392.31 a fortnight. On a $300,000 salary in 2026-27, super is only required on the first $270,830, so the minimum is $32,499.60.
Features
Current SG rate
Set at 12% from 1 July 2025, the rate the ATO lists for 2025-26 and 2026-27.
Any pay period
Enter yearly, monthly, fortnightly or weekly earnings and see super for every period.
Contributions cap
Earnings above $270,830 in 2026-27 are capped, as the ATO's maximum contributions base allows.
When to use it
Checking your payslip
Compare the super on each payslip with 12% of your ordinary time earnings for that pay.
Job offers
Know whether a package is quoted plus super or including super, and what the super part is worth.
Payday super
From July 2026, super should arrive with each pay, so you can check it in your fund sooner.
Salary sacrifice planning
See your employer's guaranteed amount before you decide how much extra to add.
Frequently asked questions
What is the super guarantee rate?
12% of ordinary time earnings. It rose to 12% on 1 July 2025 and the ATO lists 12% for 2026-27 as well.
What are ordinary time earnings?
Generally what you earn for your ordinary hours of work, including some allowances and bonuses, but usually not overtime.
What is payday super?
From 1 July 2026, employers must pay super guarantee for each payday, rather than quarterly, so contributions reach your fund sooner.
Is there a limit?
Yes. For 2026-27 the maximum contributions base is $270,830 a year. Employers do not have to pay super guarantee on earnings above it.
Is super paid on top of my salary?
Usually, if your contract says plus super. If your package includes super, the super is part of the total figure.
Can I check my super has been paid?
Yes. Log in to your super fund or to ATO online services through myGov to see the contributions your employer has reported, and compare them with this calculator each pay period.
Does super count towards my take-home pay?
No. Super guarantee is paid into your super fund, not your bank account, so it does not appear in your take-home pay. It is taxed at 15% in the fund, not at your marginal tax rate.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Reviewed by ToolsUnlocked Team · Last updated