Super Guarantee Calculator
Check the superannuation guarantee your employer must pay in 2026-27 at the 12% rate, per year, quarter and pay cycle, including packages quoted as "including super".
- The super guarantee rate for 2026-27 is 12%. It is paid by your employer on top of salary, not taken out of it.
- From 1 July 2026, Payday Super requires contributions to reach your fund within 7 business days of each payday.
| Pay cycle | Salary | Super guarantee |
|---|---|---|
| Weekly | $1,731 | $208 |
| Fortnightly | $3,462 | $415 |
| Monthly | $7,500 | $900 |
| Quarterly | $22,500 | $2,700 |
| Annually | $90,000 | $10,800 |
Assumes all earnings entered attract super. Contributions are concessional, so the fund deducts 15% tax on the way in.
The super guarantee rate is 12% for 2026-27
Your employer must contribute 12% of your earnings to your super fund. On a $90,000 salary that is $10,800 a year, or $2,700 a quarter, paid on top of your salary rather than out of it. The calculator above is one of our pay and tax calculators; it splits the figure across every pay cycle.
SG is paid on your ordinary earnings for normal hours of work. Overtime generally does not attract super, provided your ordinary hours are clearly identified in an award or agreement. Super also is not deducted from your pay the way tax is, so it never appears in the withholding shown by the take-home pay calculator; it lands in your fund separately.
When your salary is quoted "including super"
A package advertised as $110,000 including super is not a $110,000 salary. Dividing by 1.12 gives the real base: $98,214 of salary plus $11,786 of super. That distinction changes your loan applications and how the offer compares with a "plus super" role at the same headline number. It also changes your tax, because only the base salary runs through the 2026-27 tax brackets.
Tick the "includes super" option in the calculator to do the unpacking automatically, then run the base salary through the PAYG calculator to see the tax withheld from it.
When employers must pay: Payday Super from 1 July 2026
For earnings paid from 1 July 2026, the Payday Super rules apply: contributions must reach your fund within 7 business days of each payday, and employers report the amounts through Single Touch Payroll every pay run. The old quarterly cycle no longer applies to new earnings.
The quarterly due dates shown here covered earnings paid up to 30 June 2026, with the final June 2026 quarter payment due 28 July 2026. Employers who miss a deadline must lodge a super guarantee charge statement and pay the charge to the ATO. If you want to grow the balance faster than 12%, the salary sacrifice calculator shows what topping up costs you in take-home pay.
| Quarter (to 30 Jun 2026) | Due date |
|---|---|
| Q1: Jul to Sep | 28 October |
| Q2: Oct to Dec | 28 January |
| Q3: Jan to Mar | 28 April |
| Q4: Apr to Jun | 28 July |
Frequently asked questions
What is the super guarantee rate for 2026-27?
Is super paid on top of my salary or taken out of it?
When does my employer have to pay my super?
Is the super guarantee taxed?
Does overtime attract super?
What if my employer pays late or not at all?
Sources
Narelle Hartigan is a CPA-qualified tax accountant with over a decade of experience in Australian personal taxation and payroll. She founded PAYG Calculator Australia to make tax withholding easy for every Australian worker to understand.