🇦🇺 Superannuation: Calculator

Estimate your Australian Superannuation Guarantee contributions and balance growth.

$
$
$
yrs
%
PROJECTED SUPER BALANCE AT RETIREMENT
$0
Including employer SG contributions
Annual SG Contribution
$0
Monthly SG Contribution
$0

How the Superannuation Guarantee Is Calculated

The Superannuation Guarantee (SG) is the mandatory contribution Australian employers must pay into their employees' super funds, on top of salary. For the 2026-27 financial year, the SG rate is 12% of your ordinary time earnings, up to an annual maximum contribution base.

Annual SG Contribution = min(Salary, $270,830) × 12%
Projected Balance = Starting Balance grown yearly by (SG Contribution + Extra Contributions), compounded at your expected return

The 12% Rate and the Maximum Contribution Base

The SG rate reached 12% on 1 July 2025 after a series of scheduled annual increases, and stays at 12% for 2026-27 — there are no further legislated increases beyond this rate. Employers aren't required to pay SG on earnings above the maximum contribution base ($270,830 for 2026-27), which only affects very high income earners.

Payday Super

From 1 July 2026, "Payday Super" requires employers to pay SG contributions on the same day as salary and wages, rather than quarterly as in previous years — this calculator estimates your total annual contribution regardless of how often it's paid.

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❓ Frequently Asked Questions

What is the Superannuation Guarantee rate for 2026-27?
The Superannuation Guarantee (SG) rate is 12% of your ordinary time earnings for the 2026-27 financial year, having reached its final scheduled increase on 1 July 2025.
Is there a limit to how much super my employer has to pay?
Yes. Employers aren't required to pay SG on earnings above the maximum contribution base, which is $270,830 per year for 2026-27. Above that level, SG contributions are capped at 12% of $270,830, regardless of your actual salary.
What is Payday Super?
Payday Super is a change starting 1 July 2026 requiring employers to pay super contributions on the same day as salary and wages, instead of quarterly. It changes the timing of contributions, not the 12% rate or the annual amount owed.
Does this calculator include personal or salary sacrifice contributions?
Yes, optionally. You can add extra voluntary contributions per year (such as salary sacrifice) to see their combined effect on your projected balance, in addition to the mandatory employer SG contribution.
Does this calculator account for the concessional contributions cap?
No. This calculator projects growth based on your inputs but doesn't check them against the concessional (before-tax) contributions cap, which limits how much can be contributed at the lower super tax rate each year — check the current cap on the ATO website if you're making large voluntary contributions.

🏆 About This Tool — Accuracy & Trust

🔒 Data Privacy: All calculations run entirely within your browser using JavaScript. Nothing you enter here is ever transmitted to our servers, stored, sold, or shared.

📐 Accuracy Note: This tool uses standard, widely published formulas and guidelines. Results are estimates for informational purposes; for financial, medical, or engineering decisions, consult a licensed professional.

📅 Last Updated: September 2026.