The Answer
40 pages
Covering super guarantee rate, contribution caps, salary sacrifice, FHSSS, death benefits, insurance, and super by salary.
Super Guides
Super Guarantee Rate 2025–26Your employer must pay 12% of your ordinary time earnings into super. Here's how...
Super Contribution Caps 2025–26$30,000 concessional, $120,000 non-concessional. Here's what counts toward each ...
Salary Sacrifice into SuperPay 15% tax on contributions instead of your marginal rate. The most effective t...
First Home Super Saver Scheme (FHSSS)Save for your first home inside super and pay less tax on the savings. Up to $50...
Super for Self-Employed and Sole TradersNobody pays super for you — but you can claim a tax deduction for personal contr...
Super Preservation Age — When Can You Access Your Super?You can access your super when you reach preservation age and retire, or turn 65...
How to Choose a Super Fund in AustraliaYour super fund choice could mean a $100,000+ difference at retirement. Here's w...
How to Find Lost Super in AustraliaAustralians have $16+ billion in lost and unclaimed super. Some of it might be y...
Super Co-Contribution — Free Government MoneyEarn under $60,400? The government will match your after-tax super contributions...
Spouse Super Contribution Tax OffsetContribute to your spouse's super and get up to $540 back as a tax offset....
Division 293 Tax — Extra Super Tax for High EarnersEarn over $250,000? You pay 30% tax on super contributions instead of the standa...
Super Death Benefits — What Happens to Your Super When You DieYour super doesn't automatically go to your estate. You need a binding nominatio...
Insurance Inside Super — Life, TPD, and Income ProtectionMost super funds include default insurance. It could be protecting you right now...
Super on Paid Parental LeaveFrom 1 July 2025, the government pays super on the government-funded Paid Parent...
Super on Your Salary
Super on $30,000Employer pays $3,600/year
Super on $35,000Employer pays $4,200/year
Super on $40,000Employer pays $4,800/year
Super on $45,000Employer pays $5,400/year
Super on $50,000Employer pays $6,000/year
Super on $55,000Employer pays $6,600/year
Super on $60,000Employer pays $7,200/year
Super on $65,000Employer pays $7,800/year
Super on $70,000Employer pays $8,400/year
Super on $75,000Employer pays $9,000/year
Super on $80,000Employer pays $9,600/year
Super on $85,000Employer pays $10,200/year
Super on $90,000Employer pays $10,800/year
Super on $95,000Employer pays $11,400/year
Super on $100,000Employer pays $12,000/year
Super on $110,000Employer pays $13,200/year
Super on $120,000Employer pays $14,400/year
Super on $130,000Employer pays $15,600/year
Super on $140,000Employer pays $16,800/year
Super on $150,000Employer pays $18,000/year
Super on $175,000Employer pays $21,000/year
Super on $200,000Employer pays $24,000/year
Super on $250,000Employer pays $30,000/year
Super on $300,000Employer pays $36,000/year
Super on $400,000Employer pays $48,000/year