Superannuation Calculator Australia
Use Oz Pay Check to estimate employer superannuation, salary sacrifice super and how super settings may affect your take-home pay.
The superannuation calculator helps estimate employer super guarantee contributions and selected salary sacrifice super settings alongside Australian pay and tax results.
What the super calculator estimates
- •Employer super guarantee contribution estimate
- •Super based on whether salary includes or excludes super
- •Salary sacrifice super amounts
- •Total concessional super contribution estimate
- •Net pay after selected salary sacrifice settings
- •Interaction between super, taxable income and take-home pay
What affects super estimates
- •Gross salary and ordinary time earnings
- •Whether salary includes super or excludes super
- •Selected super guarantee rate
- •Salary sacrifice super amount
- •Concessional contribution cap
- •Novated lease and other salary packaging settings
Useful super values
Super guarantee rate
From 1 July 2025, the super guarantee rate is 12% of ordinary time earnings for eligible employees.
2025-26 concessional cap
The general concessional contributions cap for 2025-26 is $30,000.
2026-27 concessional cap
The general concessional contributions cap for 2026-27 is $32,500.
Ordinary time earnings
Super guarantee is generally calculated on ordinary time earnings, not every possible payment type.
Example uses
Salary excluding super
Enter your salary and leave salary-includes-super off to estimate employer super on top.
Salary including super
Turn on salary-includes-super to estimate the split between cash salary and super.
Salary sacrifice
Enter salary sacrifice super to estimate its effect on taxable income and take-home pay.
Frequently asked questions
What is the current SG rate?
From 1 July 2025, the super guarantee rate is 12% for eligible employees.
Does the calculator include salary sacrifice?
Yes. You can add salary sacrifice super in the main calculator.
Does super affect take-home pay?
Employer SG on top of salary usually does not reduce take-home pay, but salary sacrifice can.
Is super advice included?
No. This is a calculator estimate only, not superannuation advice.
Independent estimate disclaimer
Oz Pay Check is an independent, privately operated calculator website. Results are estimates only and do not constitute financial, tax, legal, Centrelink, Services Australia, ATO or government advice. Oz Pay Check is not affiliated with, endorsed by, authorised by, sponsored by, or connected to the Australian Taxation Office, Services Australia, Centrelink, myGov or any Australian Government agency. Always confirm important decisions with official government websites or a qualified professional.