Superannuation Calculator
Super Guarantee rate: 12% (FY2025–26)
Superannuation Guarantee in Australia
The Superannuation Guarantee (SG) is the minimum super your employer must pay on top of your wages. From 1 July 2025 the SG rate is 12% — its final legislated level. So on a $90,000 base salary, your employer pays an extra $10,800 into your super fund each year.
Job ads quote pay in two ways: "plus super" (super is paid on top of the figure) or "package / inclusive of super" (the figure already contains super, so your cash salary is lower). This calculator handles both. Super is generally taxed at 15% inside the fund rather than at your marginal rate.
Frequently Asked Questions
What is the super rate in Australia for 2025–26?
The Superannuation Guarantee rate is 12% from 1 July 2025 — the final legislated rate.
Is super paid on top of my salary?
It depends on your contract. "Plus super" means it's added on top; "package including super" means it's already part of the quoted figure, so your cash pay is lower.