What is the super guarantee rate (SG)?
The superannuation guarantee rate (SG rate) is the minimum amount of super your employer legally has to pay to your super. From 1 July 2023, the superannuation rate is 11% of your ordinary time earnings.
Ordinary time earnings includes your ordinary hours of work, over-award payments, shift loading, commissions, bonuses, and paid leave.
Your employer has to pay super for you at least 4 times a year, every quarter. If you're covered by an award or an employment agreement that gives you a higher super rate than 11%, your employer has to pay the higher rate.
If you're with Australian Retirement Trust, it's easy to check your super payments. Just log in to our app or Member Online.
Super guarantee rate (SG) increases
The superannuation rate is scheduled to increase every year until it reaches 12% on 1 July 2025.
Date | SG rate |
---|---|
1 July 2023 | 11.00% |
1 July 2024 | 11.50% |
1 July 2025 | 12.00% |
For more detail about the superannuation rate in Australia, visit the ATO website.
Am I eligible for the superannuation guarantee?
Most workers in Australia should get SG payments from their employer, including if you're here on a working visa. It’s important to make sure you’re receiving the right amount of super – after all, super is your money, and it's a big part of having enough money in retirement.
Make sure your employer has your ART account details or send them a Selecting Australian Retirement Trust form.
You are eligible if:
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You work full-time, part-time, or casual
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You're under 18 years old and working more than 30 hours a week
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You're a private or domestic worker and working more than 30 hours per week
You are not eligible if:
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You're under 18 years old and working 30 hours a week or less
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You're on unpaid leave
How much super should I be getting?
Find out how much money 11% of your pay is, by entering your pay for your normal hours into the government's handy MoneySmart calculator.
Frequently asked questions about superannuation rates
If you can't find an answer to your question below, it's easy to contact us.
What should I do if I'm not being paid super?
First, check with your employer, because super doesn't get paid with every pay cycle. So it could be up to 5 months before you see your first super payment from your employer in your super account.
If payroll doesn't already have it, send them your ART account details or the Selecting Australian Retirement Trust form listing us as your choice of super fund.
If you can't solve the problem easily, you can check our list of the ATO's deadlines for employers to pay super and contact the ATO about unpaid super.
What next?
The superannuation guarantee is only one way to grow your super. You can make extra contributions to your super, and some workers can get extra super contributions from the government as well.

How much super should I have?
See how your super balance stacks up against others your age, and find out whether you're on track for a comfortable life.

How to grow your super
Use our handy checklist to take advantage of all the ways you could be growing your super.