Finance calculator
Australia - 2026/27Australia Super Guarantee Calculator
Estimate Australian super guarantee contributions with the 12% SG rate, editable ordinary time earnings, contributions already paid, and the 2026/27 maximum contribution base.
Australia super
Use the SG rate and cap before comparing payroll totals
Australia super guarantee planning is not only salary multiplied by a percentage. For 2026/27, the calculator defaults to a 12% SG rate and an editable annual maximum contribution base, so high ordinary-time-earnings scenarios do not overstate the compulsory employer amount.
For example, A$300,000 of ordinary time earnings is first capped at the editable A$270,830 maximum contribution base. At 12%, the annual SG requirement is A$32,499.60 before subtracting contributions already paid.
The calculator keeps the cap visible because payroll timing, quarterly caps, ordinary-time-earnings classification, and late payments can change the official result.
Before using the result
- Enter ordinary time earnings, not total remuneration if some amounts are excluded.
- Review the maximum contribution base when checking a different financial year or payroll period.
- Subtract contributions already paid only for the same scenario and period.
- Use ATO guidance or payroll advice before remitting or correcting SG.
FormulaSG required = min(ordinary time earnings, maximum contribution base) x SG rate - contributions already paid
Formula
Australia super guarantee estimate
This Australia super guarantee calculator is a planning estimate. Confirm ordinary time earnings, caps, eligibility, and payment timing with ATO guidance or payroll advice.
SG required = min(ordinary time earnings, maximum contribution base) x SG rate - contributions already paid
At A$300,000 ordinary time earnings, the editable A$270,830 cap and 12% SG rate give A$32,499.60 before subtracting contributions already paid.
SourcesThis profile supports Australia income tax, Medicare levy, PAYG withholding, HELP repayment, super guarantee, capital gains, and stamp-duty planning calculators. Super guarantee planning includes the 12% rate and editable 2026/27 maximum contribution base.
Sources and assumptions
Australia tax expansion source notes
This profile supports Australia income tax, Medicare levy, PAYG withholding, HELP repayment, super guarantee, capital gains, and stamp-duty planning calculators. Super guarantee planning includes the 12% rate and editable 2026/27 maximum contribution base.
- Effective year
- 2026/27
- Last verified
- 2026-07-15
This Australia super guarantee calculator is a planning estimate. Confirm ordinary time earnings, caps, eligibility, and payment timing with ATO guidance or payroll advice.
Official and reference sources
Assumptions
- The default SG rate is 12% for 2026/27 planning.
- Ordinary time earnings are capped by the editable A$270,830 annual maximum contribution base before applying the SG rate.
- Contributions already paid are subtracted from the calculated requirement to show a remaining amount.
- The calculator treats the entered figures as an annual planning scenario.
Not included
- Quarterly maximum contribution base allocation, late super guarantee charge, interest, administration fees, and ATO payment deadlines.
- Worker eligibility, ordinary-time-earnings classification, salary sacrifice, choice of fund, and award or agreement edge cases.
- Concessional cap planning, Division 293 tax, personal deductible contributions, and payroll software rounding.
FAQ6 common questions for this calculator.
FAQs
What SG rate does this calculator use for 2026/27?+
It defaults to 12%, with the rate left editable for future years or unusual scenarios.
Does the Australia Super Guarantee Calculator apply the maximum contribution base?+
Yes. The default annual maximum contribution base is A$270,830 for 2026/27, and the field is editable if your payroll period or year is different.
How does the Australia Super Guarantee Calculator calculate the result?+
For the Australia Super Guarantee Calculator, it uses the Australia super guarantee estimate: SG required = min(ordinary time earnings, maximum contribution base) x SG rate - contributions already paid. At A$300,000 ordinary time earnings, the editable A$270,830 cap and 12% SG rate give A$32,499.60 before subtracting contributions already paid.
What information do I need to use the Australia Super Guarantee Calculator?+
Enter the money values, rates, dates, quantities, or assumptions requested by the form. Keep every amount in the same currency or business period before comparing the Australia Super Guarantee Calculator result.
How accurate is the Australia Super Guarantee Calculator?+
Australia Super Guarantee Calculator is accurate for the rates, amounts, dates, and rules entered. It uses the Australia super guarantee estimate shown on this page. Real products can differ because of fees, taxes, contract terms, or changing official thresholds.
What should I check before using the Australia Super Guarantee Calculator result?+
For the Australia Super Guarantee Calculator, check the entered amounts, rates, dates, and rules, then compare the Australia super guarantee estimate and worked example with the contract or source you will rely on. Fees, tax year, currency, and payment timing can change the final decision.
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How to use the Australia Super Guarantee Calculator
Estimate Australian super guarantee contributions with the 12% SG rate, editable ordinary time earnings, contributions already paid, and the 2026/27 maximum contribution base. The page also explains the australia super guarantee estimate and shows a practical example: At A$300,000 ordinary time earnings, the editable A$270,830 cap and 12% SG rate give A$32,499.60 before subtracting contributions already paid.
- 1
Enter your details
Enter the 12% SG rate, editable ordinary time earnings, contributions already paid, and the 2026/27 maximum contribution base, then complete any other fields shown in the calculator.
- 2
Check the calculation
Review the result alongside the australia super guarantee estimate: SG required = min(ordinary time earnings, maximum contribution base) x SG rate - contributions already paid.
- 3
Compare scenarios
Change one or more inputs to see how they affect the australia Super Guarantee Calculator result before you use the estimate.