Super Guarantee Calculator
Calculate employer superannuation guarantee contributions at the current 12% rate on ordinary time earnings, shown per pay cycle and per financial year.
Your results
Calculation breakdown
- Super per period
- $4,000.00 × 12.00% = $480.00
- Annual employer super
- $48,000.00 × 12.00% = $5,760.00
Assumptions
- Ordinary time earnings are assumed constant across all periods in the year.
- The maximum super contributions base and quarterly caps are not modelled.
- Salary sacrifice and personal contributions are excluded.
- The default rate reflects the legislated 2026–27 super guarantee rate.
How this calculator works
The super guarantee rate for 2026–27 is 12% of ordinary time earnings. Enter what you earn each pay period to see the employer contribution per period, the annual total and your combined salary-plus-super package value.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
What counts as ordinary time earnings?
Generally your ordinary hours of work including most allowances, but excluding overtime. Eligibility and qualifying earnings can vary by employment arrangement.
Is 12% the final rate?
12% is the legislated rate for 2026–27. We store it centrally and review it each financial year.
Does super come out of my salary?
For a salary-plus-super arrangement it is paid on top. For a total remuneration package it is carved out of the package.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.
Actual entitlements can depend on your award, enterprise agreement, contract, employment status and individual circumstances.