---
title: "Super Guarantee Calculator Australia 2026-27: 12%, Payday Super, Cap"
url: https://decisionscalc.com/tools/australia-super-guarantee-calculator/
description: "What your employer must pay into super in 2026-27: 12% of qualifying earnings up to $270,830, per payday under Payday Super, and how much of the $32,500 concessional cap is left for salary sacrifice."
publisher: DecisionsCalc
note: General information, not financial, tax or legal advice. Figures name their source and the date they were read.
---
[AU · figures checked 8 Nov 2026](https://decisionscalc.com/methodology/)

Retirement · Australia

# Super guarantee calculator: what your employer pays in 2026-27

From 1 July 2026 your employer pays 12% of your qualifying earnings into super every payday, up to $270,830 of earnings a year. See the amount each payday, what reaches your fund after the 15% contributions tax, and how much room is left under the $32,500 concessional cap for salary sacrifice.

**Figures:** ATO [Super guarantee](https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee) (12%; maximum contribution base $270,830 for 2026-27; Payday Super from 1 July 2026) and [Contributions caps](https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/contributions-caps) (concessional cap $32,500 for 2026-27), read 8 November 2026. Qualifying earnings are mostly ordinary pay (overtime usually excluded). Not included: Division 293 tax, carry-forward of unused cap, personal deductible contributions. General information, not advice.

## Frequently asked questions

**What is the super guarantee rate in 2026-27?**  
12% of your qualifying earnings, the same as 2025-26. From 1 July 2026 employers must pay it each payday (Payday Super) instead of each quarter.

**Is there a maximum?**  
Yes. Your employer does not have to pay super guarantee on earnings above the maximum contribution base, $270,830 for 2026-27, so the most anyone receives as super guarantee is about $32,500 a year.

**What is the concessional contributions cap?**  
$32,500 for 2026-27 (up from $30,000). It covers your employer's super guarantee and any salary sacrifice or personal contributions you claim a deduction for. Above it, the excess is taxed at your marginal rate.

**How much tax does my fund pay on it?**  
Usually 15% on concessional contributions as they go in. If your income plus concessional contributions are above $250,000, Division 293 adds another 15% (not included here).

## Related

-   [Super guarantee rate 2026-27: what your employer owes](https://decisionscalc.com/articles/superannuation-guarantee-australia/)
-   [FIRE calculator (Australia)](https://decisionscalc.com/au/tools/fire-calculator/)

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