Superannuation Calculator
Calculate employer super contributions based on the current Superannuation Guarantee rate and the maximum contribution base.
Last verified: 5 May 2026Reviewed by the Savings Mate editorial team — figures fact-checked against the ATO, Services Australia and ASIC MoneySmart.
How much super do you get in 2026-27?
You get 12% of your ordinary time earnings paid into super — so a $90,000 salary earns $10,800/year in super. The 12% Superannuation Guarantee rate applies for 2025-26 and 2026-27 and is the final legislated rate, with no further increases scheduled. Super is paid for all employees regardless of earnings (the $450/month threshold was removed 1 July 2022), up to the maximum contribution base of $65,070 per quarter (~$260,280/year). Source: Australian Taxation Office.
Frequently asked questions
What is the super guarantee rate in 2025-26?
The Super Guarantee (SG) rate in 2025-26 is 12% of an employee's ordinary time earnings, paid by the employer on top of wages. 12% is the final legislated SG rate — no further increases are scheduled. Source: Australian Taxation Office.
What is the maximum super contribution base?
The maximum super contribution base for 2025-26 is $65,070 per quarter — equivalent to $260,280 per year. Employers are not required to pay SG on earnings above this base in any given quarter. Source: Australian Taxation Office.
How much super will I have at retirement?
A 35-year-old on $90,000 with a $60,000 current super balance, contributing 12% SG, can expect roughly $850,000 at age 67 in today's dollars, assuming 6.5% annual return net of fees and 2.5% inflation. Your result will vary — use the calculator for your figures.
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
Related reading
From 1 July 2026 employers must pay your super within 7 business days of payday, not quarterly. Here's what changes for employees and small businesses.
Super Guarantee Rate 2025-26: What 12% SG Means for Your Pay12% of your salary = $8,400 on $70K or $12,000 on $100K. How the super guarantee rate affects your pay, employer obligations, and retirement.
Super Contribution Caps 2026-27: Maximise Your Super Before June 30Superannuation contribution caps are changing from July 1, 2026. Here's the new concessional and non-concessional limits, how carry-forward works, and EOFY strategies to boost your retirement savings.
Salary Sacrifice Into Super: How It Works & How Much You SaveSave $3,000-$6,000/yr in tax by salary sacrificing into super. $30K concessional cap, how to set it up, and whether it suits your situation.