AUAustraliaSuperannuation Guarantee (11.5% to 12% SG)Finance & Salary

Australia Superannuation Guarantee (SG) & Compound Retirement Wealth Calculator

Calculate statutory employer Superannuation Guarantee contributions (11.5% rising to 12.0% on Ordinary Time Earnings OTE up to the maximum quarterly contribution base of $65,070/quarter) and project your retirement super nest egg.

Calculator Inputs

Live Real-Time
AUD $
Quick select:
25 yrs
1 yrs45 yrs
7 %
2 %11 %
Calculated ResultSuperannuation Guarantee (11.5% to 12% SG)

Projected Retirement Super Balance (After 15% Fund Tax)

580,626AUD $

Annual Employer Super Guarantee Contribution

10,800 AUD $

Monthly Super Added to Your Fund

900 AUD $

Detailed Calculation Breakdown

Annual Employer SG
10,800 AUD $
Net Invested / Year
9,180 AUD $
Retirement Super Fund
580,626 AUD $

Calculation Methodology

Employer SG Contribution = Ordinary Time Earnings * SG Rate% (11.5% / 12%). Net Invested in Super = SG Contribution * 85% (after 15% fund tax). Projected Retirement Super = Net Invested compounded annually.

Important Legal & Educational Disclaimer

Superannuation concessional contributions are subject to a standard 15% contributions tax inside the super fund (and an annual cap of $30,000).

This calculator is designed for educational and informational purposes only based on public statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimations. Always verify with the relevant official authorities or a certified professional advisor.

Frequently Asked Questions

The SG rate is 11.5% for the 2024-25 financial year, increasing to 12.0% on 1 July 2025.
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