Super Guarantee Calculator
Calculates the employer super guarantee on your ordinary time earnings.
Your result
Estimate only. Results update as you type.
How this calculator works
Super guarantee = ordinary time earnings × SG rate (12% from 1 July 2025).
Worth knowing
From 1 July 2026 employers must pay super at the same time as wages under Payday Super, so check your fund regularly.
Guides for this calculator
- Using a Super Guarantee Calculator in Australia: A Step-by-Step Guide
- Common Super Guarantee Mistakes (and a Better Way)
Questions
- Are the projections guaranteed?
- No. Investment returns vary from year to year. Treat projections as a guide for planning, not a forecast.
- What is the super guarantee rate?
- It is 12% of ordinary time earnings from 1 July 2025.
- Should I get advice?
- For decisions like salary sacrifice, contribution strategies or retirement income, a licensed financial adviser can look at your full situation. This site provides general information only.
This calculator gives general estimates using published Australian rates and formulas. It doesn’t consider your personal circumstances. Check current figures with the ATO, your state government or a qualified professional before making decisions. See our disclaimer.