How to Use the Superannuation Contribution Calculator

Enter your annual qualifying earnings and employer Super Guarantee rate. The calculator estimates the employer contribution and then adds any salary-sacrifice, personal deductible and after-tax contributions you enter.

The calculator can estimate:

• Employer Super Guarantee contributions;
• Salary-sacrifice contributions;
• Personal deductible super contributions;
• Personal after-tax contributions;
• Total concessional contributions;
• Total non-concessional contributions;
• Estimated contributions tax;
• Estimated net amount entering your super account;
• Concessional contribution cap usage; and
• Non-concessional contribution cap usage.

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 calculated on qualifying earnings and are generally required to be paid on payday.

For example, if qualifying annual earnings are $100,000 and the applicable rate is 12%:

What Changed With Payday Super?

From 1 July 2026, Australia’s Payday Super reforms changed the timing of compulsory employer super payments.

Rather than relying on the previous quarterly minimum payment model, eligible Super Guarantee amounts are generally calculated alongside salary and wages and paid on payday.

The ATO states that the contribution is calculated at 12% of qualifying earnings and generally needs to reach the employee’s super fund within the applicable payment timeframe. :contentReference[oaicite:2]{index=2}

The calculator still presents annual, monthly and fortnightly equivalents because they are useful for budgeting and comparison.

What Are Concessional Super Contributions?

Concessional contributions are generally contributions made from before-tax income or personal contributions for which an income-tax deduction is claimed.

They can include:

• Employer Super Guarantee contributions;
• Salary-sacrifice contributions;
• Additional employer contributions; and
• Personal super contributions for which you claim a tax deduction.

These contributions generally count toward the concessional contributions cap. The ATO describes the cap as the maximum amount of before-tax contributions, including employer guarantee contributions, that can generally be contributed without additional consequences, subject to rules such as carry-forward unused cap amounts. :contentReference[oaicite:3]{index=3}

What Are Non-Concessional Contributions?

Non-concessional contributions are generally personal super contributions made from after-tax money where you do not claim an income-tax deduction for the contribution.

The currently published standard non-concessional contribution cap is $120,000. Eligibility to contribute at that level and access to bring-forward arrangements can depend on factors including your total super balance and age. :contentReference[oaicite:4]{index=4}

The cap field in this calculator is editable so the tool can continue to be used if contribution limits change.

What Is Salary Sacrifice to Super?

Salary sacrifice involves arranging with your employer to direct part of your future salary or wages into super rather than receiving that amount as ordinary cash salary.

Salary-sacrifice super generally counts toward your concessional contribution cap together with compulsory employer contributions and other concessional contributions.

Personal Deductible Super Contributions

An eligible person may make a personal contribution to super and claim an income-tax deduction for that contribution, subject to applicable rules and required notices.

Where a deduction is claimed, that contribution generally becomes a concessional contribution and counts toward the concessional cap.

The tax deduction itself is not calculated by this tool because the benefit depends on your taxable income, marginal tax rate and other tax circumstances.

How Are Concessional Contributions Taxed?

Concessional super contributions are commonly subject to contributions tax within the super fund.

This calculator defaults to a simplified 15% contributions-tax assumption.

This is a simplified calculation. Different treatment can apply in particular circumstances, including additional tax rules for certain higher-income earners.

What Is the Concessional Contributions Cap?

The concessional contributions cap limits the amount of concessional super contributions that can generally receive concessional tax treatment in a financial year.

This calculator uses an editable default general concessional cap of $30,000.

Your effective cap may be higher if you are eligible to use unused concessional cap amounts from earlier years.

The ATO notes that eligible people with a total super balance below the applicable threshold may be able to carry forward unused concessional cap amounts from up to five previous financial years. :contentReference[oaicite:5]{index=5}

What Happens If My Contributions Exceed the Cap?

Exceeding a contribution cap can have tax and administrative consequences.

This calculator therefore displays your estimated cap usage and warns when the contributions entered are above the cap assumption.

However, it does not determine whether an amount is legally considered an excess contribution because carry-forward arrangements, bring-forward rules, timing, fund reporting and other circumstances may affect the final position.

Employer Super vs Personal Contributions

Employer and personal contributions can enter super through different channels:

Employer contributions

These include compulsory Super Guarantee contributions and potentially additional employer contributions.

Salary sacrifice

These are generally deducted from future salary under an arrangement with the employer and contributed to super.

Personal deductible contributions

You contribute from your own funds and may claim an eligible deduction, subject to the applicable requirements.

After-tax contributions

These are personal contributions where you generally do not claim a tax deduction and which can count toward the non-concessional cap.

Does Super Count as Part of My Salary?

That depends on how your remuneration is quoted.

An offer may state:

• $100,000 plus super; or
• $112,000 total package including super.

Those two offers are structured differently.

This calculator assumes the salary entered is the earnings base used to estimate employer super. If your package is inclusive of super, you should first determine the salary component before using the employer SG calculation.

Example Super Contribution Calculation

Does This Calculator Include Investment Returns?

No. This calculator focuses on contributions made during a financial year.

It does not project:

• Investment returns;
• Fund administration fees;
• Insurance premiums;
• Inflation;
• Retirement withdrawals;
• Future salary increases; or
• Changes to contribution rates over many years.

Does This Calculator Include Division 293 Tax?

No. Additional tax can apply to concessional contributions for some higher-income individuals.

Because the calculation depends on broader income and contribution information, this calculator does not automatically calculate Division 293 tax.

Superannuation Contribution Calculator Assumptions

This calculator assumes:

• The salary entered is an appropriate earnings base for the estimate;
• The employer SG percentage applies to the full entered earnings amount;
• Salary sacrifice is concessional;
• Personal deductible contributions are concessional;
• After-tax contributions are non-concessional;
• Contributions are counted within one financial year;
• The entered contribution caps are applicable to the user;
• The contributions-tax rate entered applies to concessional contributions;
• No Division 293 tax is included;
• No carry-forward concession is automatically calculated;
• No bring-forward non-concessional arrangement is automatically calculated; and
• Investment earnings and fund fees are excluded.

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