This super contribution estimator helps Australian SMEs budget for employee superannuation contributions.
Enter employee wages and details to get instant estimates for budgeting.
Use it for payroll budgeting or financial planning.
Ensure compliance with employee super contributions.
This calculator provides a general estimate for mandatory superannuation contributions only and is not to be relied on. Scale Suite is not liable for any loss arising from reliance on this tool.
From 1 July 2025, SG is payable on Paid Parental Leave (PPL). The concessional cap ($30,000 per financial year) includes all contributions (SG, salary sacrifice, personal) and may involve carry-forward rules. Always consult a registered BAS or tax agent and verify with the ATO for your specific situation. Visit ATO Super for details.
Purpose:
Designed for Australian small and medium enterprises (SMEs), HR managers, and bookkeepers, this tool provides estimates of superannuation contributions for budgeting, using the current Superannuation Guarantee rate (12% as of 1 July 2025). Input wages and employee details in AUD to aid financial planning. Ideal for quarterly or annual budgeting.
Tips for Ongoing Use:
Bookmark this page (Ctrl+D or Cmd+D) for quick access during budgeting. Use actual wage data from your payroll system for precision!
Understanding Superannuation Contribution Basics:
Australian businesses must pay superannuation for most employees on ordinary time earnings (OTE), at 12% for 2025–26, subject to a $30,000 annual concessional cap per employee (including SG, salary sacrifice, and personal contributions). Contributions must be received by the super fund by quarterly due dates (28th after quarter end). OTE includes base salary and some allowances but excludes overtime; confirm with ATO for specifics. From 1 July 2025, SG is also payable on Paid Parental Leave (PPL).
Key Components:
1. Number of Employees: Total employees for whom super is estimated.
2. Annual Wage per Employee: Ordinary time earnings (OTE, excluding overtime/bonuses).
3. Pay Date: Determines applicable super rate (e.g., 12% from 1 July 2025).
4. Superannuation Rate: Automatically set based on pay date.Contribution Frequency: Monthly or annual estimation (payments due quarterly).
Benefits for SMEs:
This estimator simplifies super budgeting, supports financial planning, and helps with payroll forecasting. Explore Scale Suite’s payroll services for expert support.
Additional Resources:
Explore Scale Suite’s resources for additional insights.
ATO Adherence:
This tool uses ATO-aligned formulas (12% rate, $30,000 cap for 2025–26) but is an estimate only for budgeting purposes and not tax advice. The rate is calculated based on the pay date; confirm with ATO for your specific period and OTE definitions. Consult a registered BAS or tax agent for tailored advice, especially for concessional cap carry-forwards or complex scenarios.
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