About Superannuation Calculator Australia
Superannuation Calculator Australia is an online information and calculation tool for people who want to estimate employer Super Guarantee (SG) contributions and understand the difference between salary including and excluding super. It focuses on clear inputs, visible calculation methods and Australian-specific terminology.
The calculator is free to use. It provides an estimate based on the figures you enter; it does not determine your legal entitlement or verify your employer’s payroll records.
What can you calculate here?
The current calculator allows you to:
- Estimate employer SG using the standard rate for the financial year selected.
- Choose a pay period: weekly, fortnightly, monthly or annually.
- Compare salary packages where the entered amount includes or excludes standard employer super.
- Review the formula and breakdown, including the estimated contribution, base pay and total package.
You can select financial years from 2022–23 to 2026–27. For 2026–27, the standard SG rate is 12%.
Other tools displayed on the homepage, including retirement projections and super pension calculations, are marked In development and are not part of the current calculator.
How are the estimates calculated?
For a simple employer contribution estimate, the tool multiplies the qualifying earnings you enter by the SG percentage selected for that year.
For example, if A$80,000 is entirely qualifying earnings and the 12% rate applies, the estimated employer contribution is A$9,600. This is an illustration, not an assessment of a particular employment arrangement.
For a salary package that includes standard super, the tool treats the package as base salary plus the selected SG percentage. Actual contracts may include other benefits or use different contribution arrangements.
Which rules and sources inform the content?
The information is informed by publications from the Australian Taxation Office (ATO), including Super guarantee rates and thresholds, About Payday Super, What payments are qualifying earnings, and Maximum contribution base.
From 1 July 2026, Payday Super rules generally require employer SG to be calculated using qualifying earnings for each payday. The treatment of individual earnings, eligibility and payment deadlines can depend on the circumstances. Source references appear alongside relevant explanations on the calculator homepage.
What does the calculator not check?
The calculator is an illustrative estimator, not a payroll compliance or financial advice service. In particular, it does not:
- Determine whether an employee or contractor qualifies for compulsory SG.
- Classify all wages, commissions, allowances, bonuses and overtime.
- Track cumulative qualifying earnings or apply annual or historical maximum contribution bases.
- Account for every award, agreement or contract requiring contributions above the statutory rate.
- Verify whether or when contributions have reached a super fund.
- Project investment growth, retirement balances, fees or retirement income.
Results depend on the accuracy of your inputs. Check your payslip, employment terms and super fund transactions if you need to reconcile an actual contribution.
How should you use the information?
Start with the calculator to understand the standard percentage calculation. For an employment-specific question, use current ATO guidance and your relevant award, agreement or employment contract. If a result differs from payroll records, check the earnings classification, applicable financial year, contribution limits and payment timing before drawing a conclusion.