Super
A plain-English guide to the 11% super guarantee, how super relates to take-home pay, and what to expect on your payslip.
Employers generally must contribute 11% of your ordinary time earnings (OTE) to your super fund. This is separate from your take-home pay unless your offer is explicitly “inclusive of super.”
Super is not deducted from your net pay in this calculator. It is shown separately to reflect employer contributions. Salary sacrifice into super would reduce your taxable income, but this simplified calculator does not model salary sacrifice.
Employer SG does not reduce your tax. Salary sacrifice into super can reduce taxable income, but that is not included in this simplified calculator.
Most offers are “plus super,” meaning super is on top. If your contract says “including super,” the stated amount already contains the super portion.
At least 11% of ordinary time earnings, unless an award or contract specifies more. Check your payslip for the super line and ensure it matches the required rate.
To see take-home pay alongside super, use the Australian Pay & Tax Calculator, then review the tax brackets or Medicare levy guides if needed.