Enter your salary to calculate your employer's Superannuation Guarantee (SG) contribution, or split a "package-inclusive" salary into base pay plus super.
Superannuation Calculator
Live| Base salary | $90,000.00 |
| Super contribution (12%) | $10,800.00 |
| Total package | $100,800.00 |
The formula
A $90,000 base salary: employer pays an additional $10,800 in super (12%), for a total package of $100,800. A $100,000 package that already includes super splits into a base of $89,285.71 plus $10,714.29 in super.
Step-by-step guide
- Check how your salary was advertised - "base salary" or "salary + super" means super is paid on top; "package" or "inclusive of super" means it's already baked into the quoted number.
- Select the matching mode and enter the salary figure.
- Compare the result to your payslip or offer letter - a package-inclusive offer will always show a smaller take-home base than the headline number suggests.
Why "package" salaries can be misleading when comparing job offers
Two job ads both quoting "$100,000" can represent meaningfully different actual pay: if one is a base salary with super paid additionally, you'd actually receive $100,000 in wages plus $12,000 in super, a total value of $112,000. If the other is a package-inclusive figure, that same $100,000 headline number already contains the super, meaning your actual base wage is only about $89,286. The gap between these two framings on identical headline numbers is over $22,000 in this example - which is why confirming which convention a job ad uses matters just as much as comparing the numbers themselves.
Common mistakes
Frequently asked questions
Does every employee get superannuation, regardless of income?
Yes - unlike some countries' systems with a minimum earnings threshold, Australia's Super Guarantee applies from the first dollar earned, including for casual and part-time employees.
What happens if my employer doesn't pay my super correctly?
Employers who miss or underpay become liable for the Superannuation Guarantee Charge (SGC), which includes the shortfall plus interest and an administration fee - and unlike normal super contributions, the SGC isn't tax-deductible for the employer, making non-compliance costly.
What changed with "Payday Super" in 2026?
From 1 July 2026, employers must pay super at the same time as wages (reaching your fund within 7 business days) rather than quarterly - meaning your super now compounds sooner and underpayment is easier to spot.
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