What is the super guarantee rate?
The current superannuation rate is 11.5% of your ordinary time earnings.
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 11.5%, your employer has to pay the higher rate.
Super guarantee rate (SG) increases
| Date | SG rate |
|---|---|
| 1 July 2024 | 11.5% |
| 1 July 2025 | 12.0% |
The superannuation guarantee rate (SG rate) is the minimum amount of super your employer legally has to pay to your super.
Am I eligible for the superannuation guarantee?
Most workers in Australia should get SG payments from their employer, even if you're here on a working visa. It’s important to make sure you’re getting the right amount of super – after all, super is your money, and it's a big part of having enough money in retirement.
You're eligible if:
You work full-time, part-time, or casual
You're under 18 years old and working more than 30 hours a week
You're a private or domestic worker and working more than 30 hours per week
You aren't eligible if:
You're under 18 years old and working 30 hours a week or less
You're on unpaid leave
More tools to help you
How much super should I be getting?
Quickly check how much money 11.5% of your pay is. Put your pay for your normal hours into the government's handy MoneySmart calculator.
How can I track my super?
Log in to Member Online or download our app to check your super payments. Set up alerts in the app when you get paid 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. Are you on track for a comfortable life after work?
How to grow your super
Use our handy checklist to take advantage of all the ways you could be growing your super.
FAQs about superannuation rates
Find out more about when you should be paid super.
