Superannuation Calculator

Check if your employer is paying the correct super guarantee

Rates current as of 1 Jul 2026

Helps you work out

  • How much super your employer should pay on your earnings
  • Whether your super may have been underpaid
  • How the super guarantee rate has changed over time

Your pay details

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OTE = base salary + shift loadings + commissions + some allowances. Excludes overtime. If your payslip shows a single “gross” figure including overtime, subtract the overtime first.

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Leave blank if you just want to see what you should be getting

The SG rate follows the date wages are paid, not the period they cover - a period ending 30 June paid in July gets the new year’s rate (ATO)

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Only matters if you earn over the yearly cap ($270,830 for 2026-27). From July 2026 super is payable until your earnings for the year from this employer reach the cap; leave blank to assume the cap has not been reached.

This calculator assumes an employee aged 18 or over. Employees under 18 only earn super guarantee in weeks they work more than 30 hours, which this tool does not model. Your award or agreement may also provide more super than the legal minimum.

How we calculate this & assumptions
  • Uses the super guarantee rate that applied to the pay period date you enter (10% in 2021-22, 10.5% in 2022-23, 11% in 2023-24, 11.5% in 2024-25, 12% from 1 July 2025), not necessarily today's rate.
  • Super is calculated on ordinary time earnings (OTE), which usually excludes overtime.
  • A maximum contribution base caps super for high earners, using the figure for the pay period's financial year: from 1 July 2026 it is a single yearly cap ($270,830 of earnings for 2026-27) applied to what you have actually been paid so far in the financial year; for earlier dates it applied per quarter (e.g. $62,500 for 2025-26, $65,070 for 2024-25). For historical dates the tool assesses one payment at a time against the remaining quarterly cap, so results are estimates and may differ from how your employer allocated earnings across the quarter.
  • If you leave the payslip super field blank, the tool only shows the estimated minimum; it does not treat a blank as $0 paid or claim an underpayment.
  • Assumes an employee aged 18 or over. Employees under 18 only earn super in weeks they work more than 30 hours, which this tool does not model.

Sources: ATO - how much super to pay

This is an estimate, not financial advice. The exact amount depends on your ordinary time earnings and your fund.