Financial year 2026-27
Superannuation calculator
Estimate employer super from annual qualifying earnings, or split a package into pay and super. For example, $100,000.00 of qualifying earnings gives $12,000.00 of employer super at 12% in 2026-27, for a total package of $112,000.00.
Your estimate
| Earnings excluding super | $100,000.00 |
|---|---|
| Employer super before fund tax | $12,000.00 |
| Total package | $112,000.00 |
The annual maximum contribution base limits the statutory super shown here. Your contract may provide more.
Financial year 2026-27. See the assumptions below.
How to calculate it
- Start with annual qualifying earnings for one employer. Apply the sourced 12% guarantee rate to earnings within the annual maximum contribution base.
- If the amount includes super, split it into earnings and the employer contribution. Above the maximum contribution base, cap super and allocate the rest of the package to earnings.
- Compare the result with the super component of your contract. A contractual contribution above the statutory minimum can produce a different result.
Frequently asked questions
Is super taken out of my salary?
When a salary is quoted plus super, the employer contribution is additional. A package including super combines the two. Confirm which wording your offer uses before comparing roles.
Does this calculate my retirement balance?
No. This calculates employer contributions for the selected year. It does not project investment returns, fees, insurance costs or the amount available at retirement.
What happens above the maximum contribution base?
The sourced 2026-27 annual base is $270,830.00. This estimate caps the statutory employer contribution at that base. Your contract may provide more.
Is this the amount that reaches my super account?
It is the employer contribution before fund tax. Contributions tax, Division 293, eligibility rules and payment timing are separate. Salary sacrifice and other employers can also affect your contribution cap.
How this is worked out
- Assumes you are eligible for the super guarantee and that the entered earnings are qualifying earnings. It does not determine eligibility from age, employment type or work pattern.
- Uses an annual estimate for one employer, not a year-to-date reconciliation of payday payments. It excludes salary sacrifice, extra contractual super and fund taxes.
- Amounts are calculated in integer cents and rounded to the nearest cent. Package components reconcile to the entered total.
Estimate only, not financial or tax advice. Read the methodology and editorial policy.