Superannuation Calculator
Calculate your employer's compulsory 12% Super Guarantee and project your super balance at retirement, including salary sacrifice and the 15% contributions tax
Your Salary
Your gross ordinary time earnings — generally your base salary plus most allowances and loadings, but not overtime.
Uses the 2025-26 settings: SG rate 12% and a maximum contribution base of $62,500 per quarter.
Compulsory Employer Contributions
Annual Super Guarantee
12% of your ordinary time earnings
Per Quarter
Minimum your employer must pay
Concessional Cap Left
Room under the $30,000 cap for salary sacrifice
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Frequently asked questions
What is the Super Guarantee rate?
The Super Guarantee is 12% of your ordinary time earnings, effective from 1 July 2025. This is the final legislated rate — no further increases are scheduled, so it stays 12% in 2026-27. On a $90,000 salary that is $10,800 a year ($2,700 a quarter) your employer must pay into your super fund.
What is the concessional contributions cap?
Concessional (pre-tax) contributions — employer SG, salary sacrifice and personal deductible contributions combined — are capped at $30,000 for 2025-26, rising to $32,500 from 1 July 2026. If your total super balance is under $500,000 you can also use unused cap carried forward from the previous five financial years.
How are super contributions taxed?
Concessional contributions are taxed at 15% inside the fund, instead of your marginal income tax rate — that discount is the main appeal of salary sacrifice. High earners with income over $250,000 pay an extra 15% on some contributions under Division 293. This calculator applies the 15% contributions tax to all inflows in its projection.
What is the maximum super contribution base?
Employers are only required to pay SG on earnings up to $62,500 per quarter in 2025-26 (about $250,000 a year), which caps compulsory SG at $30,000 a year. Earnings above that base can still receive employer contributions if your contract provides for it. The base is indexed each financial year.
How accurate is the retirement projection?
It is a simplified estimate in future (nominal) dollars: it holds your salary, contributions and returns constant and ignores wage growth, inflation, insurance premiums, fixed-dollar fees and tax on fund earnings. For an authoritative projection use ASIC’s Moneysmart superannuation calculator at moneysmart.gov.au, and consider licensed financial advice before making decisions.