Australia · Updated for 2026–27
Super guarantee calculator 2026–27
In 2026–27 your employer must pay super of 12% on top of your earnings: $9,600.00 a year on an $80,000 salary, or $369.23 a fortnight. A package of $89,600 including super is an $80,000 salary.
Type your salary, or a package that includes super and tick the box.
$80,000 salary plus super · 2026–27
$9,600.00 super a year from your employer
$800.00 a month, $369.23 a fortnight, paid on top of your $80,000.00 salary.
| Year | Fortnight | |
|---|---|---|
| Salary | $80,000.00 | $3,076.92 |
| Super (12%) | $9,600.00 | $369.23 |
| Package | $89,600.00 | $3,446.15 |
How is the super guarantee worked out?
Your employer pays 12% of your qualifying earnings (mostly your ordinary pay) into your super fund, on top of your pay. On $80,000: 12% × $80,000 = $9,600.00 a year, $800.00 a month or $369.23 a fortnight. Your take-home pay is worked out on the $80,000 alone: $2,456.92 a fortnight.
How much super on common salaries?
| Salary | Super a year | A fortnight | Package |
|---|---|---|---|
| $50,000 | $6,000.00 | $230.77 | $56,000 |
| $70,000 | $8,400.00 | $323.08 | $78,400 |
| $90,000 | $10,800.00 | $415.38 | $100,800 |
| $120,000 | $14,400.00 | $553.85 | $134,400 |
| $150,000 | $18,000.00 | $692.31 | $168,000 |
| $200,000 | $24,000.00 | $923.08 | $224,000 |
| $250,000 | $30,000.00 | $1,153.85 | $280,000 |
| $300,000 | $32,499.60 | $1,249.98 | $332,500 |
Above $270,830 of earnings in 2026–27, no more super guarantee is due: that is the maximum contributions base. It is worked out from the concessional contributions cap ($32,500 from 1 July 2026): the cap × 100 ÷ 12, rounded down to $10.
What counts as a package?
A “package” or “total remuneration” figure includes super. To find the salary, divide by 1.12: $89,600 including super is $80,000 salary plus $9,600 super. Your take-home pay from either: the pay calculator.
What else can I work out?
- Pay calculator Take-home pay after tax, Medicare and HECS, by year, month, fortnight and week, with super.
- Income tax calculator Tax on any taxable income, band by band, and what the 2026–27 tax cut saves.
- HECS repayment calculator Your compulsory HELP repayment on any income, and how long the debt takes to clear.
Questions about the super guarantee
What is the super guarantee rate for 2026–27?
12% of your qualifying earnings (mostly your ordinary pay), paid by your employer on top of your pay. It has been 12% since 1 July 2025, and no further rise is in the law.
Is super taken out of my salary?
No. The super guarantee is paid by your employer on top of your salary; your take-home pay is worked out on the salary alone. Only salary sacrifice, which you choose, comes out of your pay before tax.
What is the maximum contributions base?
The most earnings your employer must pay super on in a year: the concessional contributions cap × 100 ÷ 12, rounded down to $10. For 2026–27 that is $270,830, so the most super guarantee is $32,499.60.
What is a package that includes super?
Some offers quote one figure for salary and super together. Divide by 1.12 to find the salary: $89,600 including super is $80,000 plus $9,600 super. Your take-home pay comes from the salary part: the pay calculator does both.
When does my employer pay it?
From 1 July 2026, the super guarantee is worked out on each payment of earnings (Payday Super), so it is paid with your wages rather than once a quarter.