Super Guarantee Calculator 2026–27
The 12% superannuation guarantee your employer must pay on your earnings in 2026–27, up to the maximum contribution base.
Result
Super guarantee for the year: A$12,000.00Estimate
From 1 July 2026 employers must pay super each payday, and it must reach your fund within seven business days.
- About a fortnight
- A$461.54Estimate
- Reaching your super after 15% contributions tax
- A$10,200.00Estimate
- Above the maximum contribution base
- No
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Results are arithmetic on the returns, rates and horizons you enter, not a forecast and not investment, tax or retirement advice. The site supplies no expected return, inflation rate, contribution limit, tax rate or withdrawal rate. Real returns vary from year to year, and fees, taxes and the order of returns all change the outcome. Check anything that matters with a qualified adviser. Read the full disclaimer
How to use the Super Guarantee Calculator 2026–27
- Enter your ordinary time earnings for the year, including any salary you sacrifice.
- Read the super guarantee your employer must pay on top of your pay.
The calculation
super guarantee = 12% × smaller of (earnings, $270,830)reaching your fund = super guarantee × 85%Salary sacrifice contributions come on top of SG. Since Payday Super, an employer can’t count them toward its SG obligation or work out SG on the lower salary after a sacrifice.
With your numbers
- 12% of ordinary time earnings, on earnings up to $270,830 for the year
Quick reference
From 1 July 2026 employers must pay super each payday, and it must reach your fund within seven business days.
| Example | Super guarantee for the year |
|---|---|
| $50,000 | A$6,000.00 |
| $75,000 | A$9,000.00 |
| $100,000 | A$12,000.00 |
| $150,000 | A$18,000.00 |
| $270,830 | A$32,499.60 |
| $300,000 | A$32,499.60 |
Where the numbers come from
The fixed figures this calculator relies on, and the published source each one was checked against. How the calculators are built and checked
3 sources
ATO, Super guarantee rates and thresholds, https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee: "1 July 2026 – 30 June 2027 12.00"
Used for
- Superannuation guarantee rate.
ATO, Super guarantee rates and thresholds, https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee: "2026–27 $270,830"
Used for
- Maximum super contribution base for the year (annual from 2026–27).
ATO, Understanding concessional and non-concessional contributions: "taxed in your super fund at the rate of 15%"
Used for
- Tax on concessional contributions in the fund.
Common questions about the Super Guarantee Calculator 2026–27
- What is the super guarantee rate?
- 12% of ordinary time earnings from 1 July 2025, and it stays at 12% in 2026–27 and later years.
- Is there a cap?
- Yes. From 2026–27 the maximum super contribution base is $270,830 for the year. Your employer doesn't have to pay SG on earnings above it, so the most they must pay is $32,499.60.
- What is Payday Super?
- From 1 July 2026 employers must pay super each payday, not each quarter, and it must reach your fund within seven business days. SG is now calculated on qualifying earnings, which include salary you sacrifice.
- How much of it ends up in my account?
- Super guarantee contributions are taxed at 15% in the fund, so 85% is invested, before any Division 293 tax for high incomes.