Work out your employer superannuation contributions at the current Superannuation Guarantee rate of 11.5%.
Annual super
$10,925
Monthly
$910
30-year total (nominal)
$327,750
Lifetime figure is a simple sum — it does not include investment returns, fees or salary growth. Actual super balances compound significantly over decades.
The Superannuation Guarantee (SG) is the minimum percentage of your ordinary time earnings that your employer must pay into your super fund. It is currently 11.5% for FY 2025–26 and is paid on top of your salary, not out of it.
Australia uses a progressive PAYG income tax system. The first $18,200 is tax-free, then income is taxed at 16%, 30%, 37% and 45% across rising brackets for FY 2025–26. Your employer withholds tax from each pay.
Take-home pay is your gross annual salary minus income tax and the 2% Medicare levy. It's the cash that actually lands in your bank account each pay cycle.
Superannuation ('super') is Australia's compulsory retirement savings system. Your employer pays 11.5% of your ordinary time earnings on top of your salary into your chosen super fund.
No — it's a separate 2% charge on taxable income, on top of income tax. Higher earners without private hospital cover may also pay the Medicare Levy Surcharge (1–1.5%).
Bracket thresholds are set by legislation and change occasionally. This calculator uses the FY 2025–26 rates that took effect on 1 July 2025.