Use this free super contribution calculator to see your 12% employer super, add salary sacrifice or personal contributions, and check them against the 2026–27 caps.
Australian super · 2026–27Super Contribution Calculator
Estimate only, using 2026–27 ATO figures. Your fund and the ATO work out the exact amounts.
Our free super contribution calculator shows how much goes into your superannuation each year, so you can plan extra contributions with confidence. To begin with, enter your salary, and the calculator works out your 12% employer super. Then add any salary sacrifice or personal contributions. After that, it checks your total against the 2026–27 caps and shows the tax.
How the Super Contribution Calculator Works
In general, super contributions come in two types. Firstly, concessional contributions are made from pre-tax money. Secondly, non-concessional contributions come from money you have already paid tax on.
To start with, your employer pays 12% of your ordinary earnings.
Then salary sacrifice and deductible personal amounts are added on top.
Finally, the total is checked against your cap and taxed at 15%.
The formula
Employer super = Salary × 12% · Net into super = Concessional × 85% + after-tax amounts
Super Contribution Calculator Examples
For example, here are three common situations, so you can see how the numbers work.
To illustrate, Sam earns $80,000 and makes no extra contributions.
- Firstly: 12% × $80,000 $9,600
- Then: 15% tax −$1,440
- Also: cap room left $22,900
Similarly, Priya earns $100,000 and sacrifices $10,000 a year.
- Firstly: 12% × $100,000 $12,000
- Then: plus sacrifice $22,000
- Also: 15% tax −$3,300
In contrast, Leo earns $120,000, claims $30,000 and has $20,000 of unused cap.
- Firstly: total $44,400
- Then: cap with carry-forward $52,500
- Also: 15% tax −$6,660
Employer Super by Salary in 2026–27
In short, this table shows the 12% super guarantee at common salaries. As a result, you can also see how much cap is left for extra contributions.
| Salary | Super per year | Per month | Cap left |
|---|---|---|---|
| $50,000 | $6,000.00 | $500.00 | $26,500.00 |
| $60,000 | $7,200.00 | $600.00 | $25,300.00 |
| $70,000 | $8,400.00 | $700.00 | $24,100.00 |
| $80,000 | $9,600.00 | $800.00 | $22,900.00 |
| $90,000 | $10,800.00 | $900.00 | $21,700.00 |
| $100,000 | $12,000.00 | $1,000.00 | $20,500.00 |
| $120,000 | $14,400.00 | $1,200.00 | $18,100.00 |
| $150,000 | $18,000.00 | $1,500.00 | $14,500.00 |
| $200,000 | $24,000.00 | $2,000.00 | $8,500.00 |
| $250,000 | $30,000.00 | $2,500.00 | $2,500.00 |
| $270,830 | $32,499.60 | $2,708.30 | $0.40 |
| $300,000 | $32,499.60 | $2,708.30 | $0.40 |
Super Contribution Caps for 2026–27
- Concessional cap: $32,500 a year, which covers employer super, salary sacrifice and deductible personal amounts.
- Non-concessional cap: $130,000 a year, although you may bring forward up to $390,000 if you are under 75.
- Maximum contribution base: similarly, employers don’t have to pay the super guarantee on earnings over $270,830.
Overall, these figures come from the Australian Taxation Office, and they usually rise with wage growth.
Carry-Forward of Unused Cap
If your total super balance was under $500,000 on 30 June last year, you can use unused concessional cap from the past five years. Therefore, a large one-off deductible contribution can fit within your limit. For instance, unused amounts from 2021–22 onwards are available in 2026–27. Also, you can check your available amount in ATO online services through myGov.
How Contributions Are Taxed
Concessional contributions are taxed at 15% when they reach your fund. However, if your income plus concessional contributions is over $250,000, Division 293 adds another 15%. On the other hand, if your taxable income is $37,000 or less, the low income super tax offset refunds up to $500. Meanwhile, after-tax contributions aren’t taxed again.
Payday Super from 1 July 2026
Before July 2026, employers could pay super every quarter. Since then, under Payday Super, employers must pay it with each payday, and the fund must receive it within 7 business days. As a result, your balance grows sooner, and missed payments are easier to spot on your fund statement.
How to Use This Calculator
- To begin with, enter your yearly salary before tax, excluding super.
- Then check the employer rate, which is 12% unless your contract pays more.
- After that, add any salary sacrifice, deductible, carry-forward or after-tax amounts.
- Finally, press Calculate super to see your contributions, cap room and tax.
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Super Contribution Calculator FAQs
What is the super guarantee rate in 2026–27?
At present, the super guarantee rate is 12% of your ordinary earnings. In addition, from 1 July 2026, employers must pay it with each payday, so it reaches your fund within 7 business days.
What is the concessional contributions cap for 2026–27?
The cap is $32,500, so it rose from $30,000. It also includes employer super, salary sacrifice and personal contributions you claim as a tax deduction.
Is salary sacrifice worth it?
For most people earning over about $45,000, yes, because salary sacrifice is taxed at 15% instead of your marginal rate. However, the money is locked away until you can access your super.
What is the maximum super contribution base?
Since 1 July 2026, it is $270,830 of earnings a year. Therefore, an employer doesn’t have to pay the super guarantee on earnings above that amount.
How much tax is paid on super contributions?
Concessional contributions are taxed at 15% in your fund. Also, if your income plus super is over $250,000, Division 293 adds a further 15%, while after-tax contributions aren’t taxed again.
Can I make after-tax contributions?
Yes, you can add up to $130,000 a year. Besides, if you are under 75 and your super balance is under $1.84 million, you can bring forward up to $390,000.
Disclaimer: Overall, this calculator gives an estimate for general information only and is not financial advice. Also, your caps depend on your super balance and history, so check ATO online services or a licensed adviser before contributing.