Updated for 2026-27

Superannuation Calculator

See the 12% superannuation your employer pays on top of your salary for the 2026-27 financial year, plus how a package that includes super is split.

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Australian Take-Home Pay Calculator 2026-27

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Disclaimer: This calculator provides general estimates, not personal tax or financial advice. Figures use published ATO rates for 2026-27 and may not match your exact situation, offsets or deductions. Do not act on these results alone. For official guidance, visit the ATO, or speak to a registered tax agent.

On a $90,000 salary your employer pays $10,800 of super on top for 2026-27, about $415 per fortnight.

2026-27 Super Rates and Caps

Key superannuation figures for the 2026-27 financial year, from the ATO.

ItemRate or capWhat it means
Super Guarantee (SG) rate12%Paid by your employer on top of your salary
Concessional cap$32,500Before-tax contributions limit for the year
Max contribution base$270,830Annual salary cap for compulsory SG, under Payday Super
Tax inside the fund15%Concessional rate on contributions and earnings

The 12% SG rate is the final legislated increase, in effect from 1 July 2025 and unchanged for 2026-27. Source: Australian Taxation Office.

How Superannuation Works

Superannuation is money set aside for your retirement. Your employer must pay the 12% Super Guarantee into your super fund, and it goes to the fund rather than your take-home pay. Adding your own pre-tax contributions on top is covered by the salary sacrifice calculator and salary sacrifice explained. How it appears depends on how your salary is quoted.

Salary that excludes super: the 12% is paid on top. On a $90,000 salary your employer super is $10,800 per year, about $415 per fortnight or $900 per month.

Package that includes super: the salary portion is the package divided by 1.12 and super is the rest. A $112,000 package including super is $100,000 salary plus $12,000 super.

Salary sacrifice lets you send extra before-tax pay into super, where it is taxed at a concessional 15% instead of your marginal rate, which can cut your total tax. Concessional contributions are capped at $32,500 for 2026-27.

Use the calculator above or work out your income tax for 2026-27.

Super on a $90,000 Salary

Take-home pay$70,680
Income tax$17,520
Medicare levy$1,800
Super (extra, on top)$10,800

Related Calculators

Break your pay down further.

Take-Home Pay

Your full net pay after every deduction

Income Tax

The tax on your salary for 2026-27

HECS/HELP Repayment

Your study loan repayment for 2026-27

Medicare Levy

The 2% levy and low-income reduction

Superannuation FAQ

Common questions about Australian superannuation.

It depends on how the salary is quoted. If your salary excludes super, the employer pays 12% super on top. If your salary is a package including super, the salary portion is the package divided by 1.12 and super is the rest. For example, a $112,000 package including super is $100,000 salary plus $12,000 super.
On a $90,000 salary that excludes super, your employer pays $10,800 of super for 2026-27 at the 12% Superannuation Guarantee rate. That is about $415 per fortnight or $900 per month, paid into your super fund on top of your pay. Enter your own salary above to see your exact figure.
Salary sacrifice is when you ask your employer to pay some of your before-tax salary into super instead of your bank account. It is taxed at a concessional 15% inside the fund rather than at your marginal rate, so it can cut your total tax. Concessional contributions are capped at $32,500 for 2026-27.
No. Employer super goes to your super fund, not your bank account, so it is not part of your take-home pay. It is taxed inside the fund at a concessional 15% rather than at your marginal rate, which is why salary sacrificing into super can reduce your total tax.

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