Australian Retirement
Australia Super Guarantee Calculator 2026-27
Estimate how much superannuation an employer must contribute on top of salary. The calculator uses ordinary time earnings and the 2026-27 Super Guarantee rate, and helps you check a payslip or compare job offers.
Official Standards & Rule Matrix
Contribution baseOrdinary time earnings, not all allowances
Employer rate2026-27 Super Guarantee percentage built into the tool
FrequencyAnnual, quarterly or per-pay-period view
CapsConcessional cap awareness for salary-sacrifice planning
How to use this tool
- Enter the employee’s ordinary time earnings for the period.
- Select the pay frequency and confirm the Super Guarantee rate shown by the calculator.
- Review the employer contribution and the annualised amount.
- Check the concessional contribution cap if the employee also salary-sacrifices.
Computed completely in your browser. No personal data or numbers are transmitted over the network.
Frequently Asked Questions
- Is super paid on top of salary?
- For most employees, the employer pays Super Guarantee on top of ordinary time earnings. It is not deducted from the employee’s take-home pay.
- Are bonuses included?
- Ordinary time earnings generally include regular wages and some bonuses, but the rules are specific. Check the ATO guidance for each payment type.
- What is the concessional cap?
- The concessional cap limits pre-tax contributions, including employer Super Guarantee and salary sacrifice. The cap changes over time, so confirm the current figure with the ATO.
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