The Answer
Calculate below
Enter your salary to see your employer super, remaining cap space, and potential tax savings from salary sacrifice.
Super Contribution Calculator
Annual salary
$
How Super Contributions Work
Your employer pays 12% of your ordinary time earnings into super. This uses part of your $32,500 (2026–27) annual concessional cap. The remaining cap space is available for salary sacrifice or personal deductible contributions — taxed at 15% inside super instead of your marginal rate.
Learn about salary sacrifice → | Contribution caps explained →
Frequently Asked Questions
How much super does my employer pay?
12% of your ordinary time earnings (from 1 July 2025). On $90,000, that's $10,800/year.
What's the concessional cap?
$32,500/year in 2026–27. This includes employer super, salary sacrifice, and personal deductible contributions combined.
What Changed
18 Jul 2026
Updated for 2026–27: concessional cap $30,000 → $32,500, tax savings recomputed on the 15% second bracket, payday super wording now present tense.
Apr 2026
Calculator updated for 2025–26 rates