Question 1

What is the current super guarantee rate?

Accepted Answer

The SG rate is 12% for the 2026–27 financial year. From 1 July 2026, Payday Super applies to qualifying earnings, which include ordinary time earnings and certain other payments.

Question 2

What is the maximum super contribution base?

Accepted Answer

For 2026–27, the maximum contributions base is $270,830 for the year under Payday Super. If your annual qualifying earnings exceed this amount, your employer is only required to pay SG on the capped amount.

Question 3

Does super get paid on overtime?

Accepted Answer

It depends on the payment. Qualifying earnings include ordinary time earnings and certain additional payments under Payday Super. Check the ATO qualifying-earnings guidance or your payroll classification for the specific overtime payment.

Question 4

How often should my employer pay super?

Accepted Answer

Payday Super commenced on 1 July 2026. Employers calculate SG on qualifying earnings each payday, and contributions generally need to reach the employee's fund within 7 business days.

Question 5

What if my employer isn't paying enough super?

Accepted Answer

First check your payslip and super fund statement. If there's a shortfall, raise it with your employer. If unresolved, you can lodge a complaint with the ATO using the Super Guarantee Shortfall form.

Employer Super Calculator

Frequently Asked Questions

Related Calculators