Super Contribution Calculator
Employer and voluntary superannuation contributions.
Super Contribution Details
Enter your annual earnings and any additional contributions for the financial year.
Estimated total annual contributions
$22,000.00
Estimated total contributions before contributions tax.
Annual Contribution Breakdown
Concessional contributions generally include employer super, salary sacrifice and personal contributions for which you claim a deduction.
Contribution Cap Usage
$13,000.00 remaining under the selected cap assumption.
$115,000.00 remaining under the selected cap assumption.
Employer Super Contribution Examples
Compare estimated employer contributions at different annual qualifying earnings using the Super Guarantee percentage currently entered above.
| Annual earnings | SG rate | Annual employer super | Monthly | Fortnightly |
|---|---|---|---|---|
| $50,000 | 12.00% | $6,000.00 | $500.00 | $230.77 |
| $75,000 | 12.00% | $9,000.00 | $750.00 | $346.15 |
| $100,000 | 12.00% | $12,000.00 | $1,000.00 | $461.54 |
| $125,000 | 12.00% | $15,000.00 | $1,250.00 | $576.92 |
| $150,000 | 12.00% | $18,000.00 | $1,500.00 | $692.31 |
| $200,000 | 12.00% | $24,000.00 | $2,000.00 | $923.08 |
How to Use the Superannuation Contribution Calculator
Enter your annual qualifying earnings and employer Super Guarantee rate, then add any salary-sacrifice, personal deductible or after-tax contributions you plan to make. The calculator estimates your employer contribution, total concessional and non-concessional contributions, a simplified contributions-tax deduction, and how much of your contribution caps you'd use.
What Is the Super Guarantee Rate in Australia?
The Super Guarantee is the compulsory minimum employer contribution for eligible employees. From 1 July 2026, the Super Guarantee rate remains 12%. Under Payday Super, eligible employer contributions are generally calculated on qualifying earnings and paid on payday rather than quarterly.
Worked Example
Assume $100,000 qualifying annual earnings, a 12% SG rate, $5,000 salary sacrifice, a $2,000 personal deductible contribution and a $5,000 after-tax contribution. Employer contribution is $12,000 ($100,000 × 12%). Total concessional contributions are $19,000 ($12,000 + $5,000 + $2,000). At a simplified 15% contributions-tax assumption, tax is $2,850 ($19,000 × 15%), leaving an estimated $21,150 entering super after tax, once the $5,000 after-tax contribution is added back in.
Concessional vs Non-Concessional Contributions
Concessional contributions are generally before-tax contributions or personal contributions for which you claim an income-tax deduction — employer SG, salary sacrifice and deductible personal contributions all count, and together they use up the concessional cap ($30,000 by default, editable here). Non-concessional contributions are personal after-tax contributions with no deduction claimed, counting toward the separate non-concessional cap ($120,000 by default, editable here). Eligibility for the full non-concessional cap and any bring-forward arrangement can depend on your total super balance and age.
What This Calculator Doesn't Include
This tool focuses on contributions made during a financial year. It doesn't project investment returns, fund fees, insurance premiums or future salary changes, and it doesn't automatically calculate Division 293 tax (extra tax on concessional contributions for some higher-income earners), carry-forward unused concessional cap, or non-concessional bring-forward arrangements — all of which depend on information beyond what's entered here.
Frequently Asked Questions
- How much super does my employer have to pay me?
- Your employer generally has to pay the Super Guarantee (SG) rate — currently 12% — of your ordinary time earnings into your super fund. On a $100,000 salary that's $12,000 a year, or roughly $461.54 a fortnight. Enter your own salary above to see your exact employer contribution.
- Is there a super guarantee calculator for employers?
- Yes — this calculator doubles as a super guarantee calculator for employers: enter an employee's qualifying earnings and the applicable SG rate to see the annual, monthly and fortnightly employer contribution, plus a side-by-side comparison table across common salary levels.
- Does the ATO have a super contributions calculator?
- The ATO publishes its own tools and guidance for super guarantee and contribution obligations. This calculator is an independent estimator built by EasyCalculator.com.au — it is not affiliated with, and does not replace, the ATO's own calculators or official guidance.
- How is super contributions tax calculated?
- Concessional (before-tax) super contributions are commonly taxed within your super fund at a simplified 15% rate, which this calculator uses by default and lets you adjust. The formula is: Contributions Tax = Total Concessional Contributions × Contributions Tax Rate. After-tax contributions aren't taxed again on the way in.
- What are voluntary, additional or extra super contributions?
- These all describe contributions beyond the compulsory employer Super Guarantee — either salary sacrifice and personal deductible contributions (both concessional, taxed at the contributions tax rate) or personal after-tax contributions (non-concessional, not taxed again on the way in). This calculator lets you enter both kinds separately.
- What's the difference between pre-tax and after-tax super contributions?
- Pre-tax (concessional) contributions — employer SG, salary sacrifice, and personal contributions you claim a tax deduction for — are taxed at the contributions tax rate inside your fund and count toward the concessional cap. After-tax (non-concessional) contributions come from money you've already paid income tax on, aren't taxed again, and count toward the separate non-concessional cap instead.
- What are concessional contributions and is there a cap?
- Concessional contributions are before-tax or tax-deductible contributions — employer SG, salary sacrifice, and deductible personal contributions all count. The standard concessional cap modelled here is $30,000 a year (editable), though some people can carry forward unused cap amounts from the previous five years if eligible — this calculator doesn't automatically apply carry-forward.
- Is this a super co-contribution calculator?
- No — this calculator estimates your own and your employer's contributions into your super fund. The government super co-contribution is a separate scheme where the government matches personal after-tax contributions for eligible low-to-middle income earners, which isn't modelled here.
- How much of my pay goes to super?
- At minimum, the Super Guarantee rate (12%) of your ordinary time earnings, paid by your employer on top of your salary in most standard employment arrangements. If you also salary sacrifice or make personal contributions, more of your overall remuneration is directed to super — enter your figures above to see your total.
- How much should I contribute to super?
- That depends on your income, age, retirement goals and other financial priorities — this calculator doesn't give personal advice, but it can show you the trade-off: how much extra salary sacrifice or personal contributions would add to your total super for the year, and how much room you have left under the concessional and non-concessional caps before you'd need to consider carry-forward or bring-forward rules.