What this result answers
Calculate Australian super at the 12% guarantee rate and split packages that include super from salaries with super paid on top.
Australian Superannuation Calculator
Use the Australian Superannuation Calculator to calculate Australian super at the 12% guarantee rate and split packages that include super from salaries with super paid on top.
Annual super contribution
Enter your values, then calculate to see a verified result.
Reference range
How this result is calculated
A clear calculation path based on your inputs.
Inputs usedReview the information used for this result.
Full calculation and sourcesOn top: super = the lower of qualifying earnings and the annual maximum earnings base × rate. For an inclusive package below the cap, cash salary = package ÷ (1 + rate). Current Australian sources checked 2026-10-15.
Versioned calculationFormula v2026.27.4
Method used
On top: super = the lower of qualifying earnings and the annual maximum earnings base × rate. For an inclusive package below the cap, cash salary = package ÷ (1 + rate).
Important boundary
The statutory estimate applies the 2026-27 annual maximum earnings base of AUD 270,830. A contract can provide contributions above the legal minimum, and not every payment is qualifying earnings.
Enter Australian pay factsUse gross AUD amounts and the definitions beside each field.
Apply the dated methodOn top: super = the lower of qualifying earnings and the annual maximum earnings base × rate. For an inclusive package below the cap, cash salary = package ÷ (1 + rate).
Audit the bridgeRead the result together with the components and tax-year label.
Check the boundaryThe statutory estimate applies the 2026-27 annual maximum earnings base of AUD 270,830. A contract can provide contributions above the legal minimum, and not every payment is qualifying earnings.
Interpretation
<strong>Period:</strong> 2026-27, effective 1 July 2026.
<strong>Method:</strong> On top: super = the lower of qualifying earnings and the annual maximum earnings base × rate. For an inclusive package below the cap, cash salary = package ÷ (1 + rate).
<strong>Limit:</strong> The statutory estimate applies the 2026-27 annual maximum earnings base of AUD 270,830. A contract can provide contributions above the legal minimum, and not every payment is qualifying earnings.
Use this result
Australian Wage CalculatorCalculate Australian take-home pay for 2026-27 from annual, monthly, fortnightly, weekly or hourly wages, including salary packages with super, income tax, Medicare levy and HELP.Australian Salary Sacrifice CalculatorCompare Australian take-home pay and modeled tax before and after salary sacrifice to super, with HELP repayment-income add-back shown.Australian Job Offer Comparison CalculatorCompare two Australian job offers using salary, super, entered benefits, after-tax cash and package value per scheduled hour.
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Report a calculation issue Australian Superannuation Calculator: purpose and method
A dated Australian super guarantee calculation with visible components, sources and limitations.
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Related calculators and resources
Australian Wage CalculatorCalculate Australian take-home pay for 2026-27 from annual, monthly, fortnightly, weekly or hourly wages, including salary packages with super, income tax, Medicare levy and HELP.Australian Salary Sacrifice CalculatorCompare Australian take-home pay and modeled tax before and after salary sacrifice to super, with HELP repayment-income add-back shown.Australian Job Offer Comparison CalculatorCompare two Australian job offers using salary, super, entered benefits, after-tax cash and package value per scheduled hour.Australian Contractor vs Employee CalculatorCompare an Australian contractor revenue scenario with employee after-tax cash, 12% super, business costs, billable hours and unpaid weeks shown separately.
Method and test recordFormula v2026.27.4
- Recorded scope
- Australian Superannuation Calculator formula, official-period mapping, deterministic reference fixture, edge behavior and JavaScript/PHP parity.
- Publisher
- CalculatorGeek
- Reviewed by
- CalculatorGeek Editorial Team
- Recorded review date
- 2026-10-15
- Next source review
- 2027-06-15
- Definition fixtures
- 1 configured scenarios
- Published examples
- 1 shown below
Recorded method
Primary-source mapping, competitor feature-gap review, deterministic fixtures, JavaScript/PHP parity, link integrity and responsive preview QA.
These records describe the published model and reference tests. A test-case count is not a certification of every possible input or an independent specialist review. Editorial policy
Known limitations
- The statutory estimate applies the 2026-27 annual maximum earnings base of AUD 270,830. A contract can provide contributions above the legal minimum, and not every payment is qualifying earnings.
- Rates, thresholds, awards, agreements and legislation can change. Confirm the tax year and current primary source before acting.
- The result is an estimate from entered facts and is not personal tax, legal, payroll or financial advice.
Method sources
- Australian Taxation Office — Super guarantee rates and thresholds
- Australian Taxation Office — Payday Super
Latest model update
2026-10-10 - Completed missing semantic entities, relationships, answer targets, query themes, questions, and visible input/output meaning without changing the calculation model.
Reference inputs and expected results
Up to 12 examples from the configured definition fixtures are shown. Expected values use the stated output units; invalid inputs are intended to be rejected.
| Case | Inputs | Expected result |
|---|---|---|
| Primary Australian reference example | Salary or package amount: 85000 aud; Super rate: 12 percent; Does the entered amount include super?: no | Annual super contribution: 10200; Base cash salary: 85000; Total salary package: 95200; Monthly planning equivalent: 850 (allowed numeric tolerance: 0.01) |
Report an issue with this tool. Include the page URL, units, expected answer, and steps to reproduce. Do not include sensitive personal information.
On this page
Direct answer
At the 12% SG rate, super paid on top of AUD 85,000 qualifying earnings is AUD 10,200 and the package total is AUD 95,200.
Calculate Australian super at the 12% guarantee rate and split packages that include super from salaries with super paid on top.
Use the Australian pay and tax calculator hub to choose the next calculation without repeating the same intent.
Formula and 2026-27 method
On top: super = the lower of qualifying earnings and the annual maximum earnings base × rate. For an inclusive package below the cap, cash salary = package ÷ (1 + rate).
The calculation is versioned for the Australian 2026-27 financial year. The result panel keeps the period and source status visible so a value is not detached from the rules that produced it.
To compare this result with another relevant method, open the Australian Wage Calculator. Calculate Australian take-home pay for 2026-27 from annual, monthly, fortnightly, weekly or hourly wages, including salary packages with super, income tax, Medicare levy and HELP.
Worked Australian example
The inclusive and on-top modes prevent the common mistake of adding 12% twice.
Working precision is retained through the method. Displayed currency is rounded only at the final output unless the ATO payroll schedule itself requires whole-dollar rounding.
How to interpret the result
Main boundary: The statutory estimate applies the 2026-27 annual maximum earnings base of AUD 270,830. A contract can provide contributions above the legal minimum, and not every payment is qualifying earnings.
Keep gross pay, tax liability, payroll withholding, Medicare, study-loan repayments, super and employment entitlements separate. They answer different questions even when they appear on the same payslip.
What this CalculatorGeek version makes explicit
- The exact Australian financial year and effective date.
- The difference between annual tax liability and pay-run withholding where relevant.
- Super paid on top versus included in a package where relevant.
- Formula components, rounding, limitations and source links beside the result.
- Distinct next-step calculators instead of duplicate thin pages for weekly, fortnightly and take-home wording.
Inputs, outputs and result meaning
A dated Australian super guarantee calculation with visible components, sources and limitations.
Inputs
- Salary or package amount
- Enter qualifying earnings or a total package according to the selected treatment. Supported units are AUD.
- Super rate
- The statutory SG rate is 12% from 1 July 2026; a contract can require a higher rate. Supported units are %.
- Does the entered amount include super?
- This choice changes whether super is added on top or extracted from a total package. Available choices are No — super is on top and Yes — package includes super.
Outputs
- Annual super contribution
- This is the primary result. The display rule uses up to 2 decimal places.
- Base cash salary
- The display rule uses up to 2 decimal places.
- Total salary package
- The display rule uses up to 2 decimal places.
- Monthly planning equivalent
- The display rule uses up to 2 decimal places.
The documented method is applied after the inputs are validated and normalized. Keep the result label, unit, selected mode, and stated limitations together when sharing the answer.
Frequently asked questions
Is this Australian Superannuation Calculator current?
The method is versioned for 2026-27 and the listed primary sources were checked 2026-10-15. Recheck the page after a law, threshold, award or tax-table update.
Is this the same as my payslip or tax return?
Not automatically. The statutory estimate applies the 2026-27 annual maximum earnings base of AUD 270,830. A contract can provide contributions above the legal minimum, and not every payment is qualifying earnings.
Can I change the result to another currency?
No. Statutory Australian inputs and results stay in AUD so exchange-rate conversion cannot be mistaken for an Australian tax calculation.
Can I verify the answer?
Yes. The formula, worked example, calculation bridge, model version and primary sources are visible on the page.
Primary sources and review status
- Australian Taxation Office — Super guarantee rates and thresholds
- Australian Taxation Office — Payday Super
Sources checked 2026-10-15. Rates, thresholds, awards and legislation can change. The page states the 2026-27 period explicitly and should be rechecked before each financial-year release.
Publishing status: CalculatorGeek Editorial Team verified and approved the Australian wage and pay cluster on 2026-10-15. The release retains its visible financial-year, resident-tax, payroll, award, jurisdiction, estimate and professional-advice boundaries; production canonical, cache, sitemap and rollback checks remain deployment gates.