Act on the result
Check eligibility, earnings classification, caps and exemptions separately.
Educational only: Work and pay decision support, not tax, legal, financial or career advice.
Privacy: No account is required. Tool inputs and results stay in this browser. Anonymous categorical usage analytics send only governed page, tool, cluster and action identifiers; tool inputs and results are never sent. Error monitoring is disabled. Optional saved state stays only on this device.
Update policy: Reviewed when formulas or official dependencies change.
Scope: Australian work and pay planning using your own assumptions.
What this rate applier helps you decide
Best for
Applying the Australian 12% super guarantee rate to confirmed qualifying earnings.
Outputs
The qualifying earnings used, fixed official rate and minimum employer contribution.
Start here
First establish the qualifying earnings and any cap or exemption, then confirm the adjusted basis.
- Close-intent boundary
- Do not use this to value a user-entered retirement match; use Employer Retirement Match Value Calculator. This local tool does not decide qualifying earnings, eligibility, caps or exemptions.
Estimate tax and statutory pay
Australian SG 12% Rate Applier: the qualifying earnings used
The qualifying earnings used, fixed official rate and minimum employer contribution.
Australian SG 12% rate inputs
This rate applier remains unavailable until the adjusted qualifying-earnings basis is confirmed.
Your numbers stay in this browser
Confirm that eligibility, earnings classification, the maximum contributions base and any exemption certificate have already been handled.
Enter only qualifying earnings remaining after applying the annual maximum contributions base and any exemption certificate.
Confirm that the qualifying-earnings basis is already adjusted before applying the 12% rate
Result needs confirmed assumptions
Review the highlighted assumptions and confirm the required eligibility or coverage choices before calculating a result.
Why no estimate is shown
Wage101 does not infer legal eligibility or coverage. Review the formulas and scope before entering a confirmed scenario.
Open this calculator with preset values
This calculator supports documented, shareable scenario URLs. Compatible assistants and applications can construct links using the parameters below.
Scenario values are visible in the URL, calculations run in the browser, and optional saved state stays only on this device. Anyone you share the URL with can read those numbers, so do not include private or identifying data.
| Parameter | Meaning | Unit | Allowed values | Presence | Default |
|---|---|---|---|---|---|
| adjustedBasisConfirmed | Confirm that eligibility, earnings classification, the maximum contributions base and any exemption certificate have already been handled. | adjusted earnings-basis confirmation | 2, 0, 1 | Required | Not confirmed |
| qualifyingEarnings | Enter only qualifying earnings remaining after applying the annual maximum contributions base and any exemption certificate. | AUD/selected period | 0 to 100000000 | Required | 80000 |
Australian SG 12% Rate Applier: the qualifying earnings used
Use the contribution only after confirming the qualifying-earnings basis.
Formula summary
- Primary formula
- minimumEmployerContribution = qualifyingEarnings × rate
Data used here
- Australian super guarantee rate from 1 July 2026: Federal Register of Legislation; verified; checked 2026-07-27.
Decision checks
Stress-test the decision
Retest the exact confirmed earnings amount for the selected period.
Assumptions and sources
- Australian super guarantee rate from 1 July 2026
- Federal Register of Legislation, SGAA amendments, sections 10A and 17A Checked 2026-07-27.
Primary source →
When this estimate can be misleading
- Eligibility, ordinary-time-earnings classification and exemption certificates are not determined.
- The calculator does not derive the annual maximum contributions base, track year-to-date earnings or determine exemption certificates.
- PAYG, income tax, salary sacrifice and full package calculations are excluded.
- Use the contribution only after confirming the qualifying-earnings basis.
Educational estimate, not advice. See all assumptions & limitations →
Related reading
Use these practical guides to interpret the decision and its assumptions.
- Australian Super Guarantee: what the Wage101 calculator includes
Apply the reviewed 12% super guarantee rate to earnings you have already confirmed are qualifying earnings.
Read guide
Frequently asked questions
What is 12% super guarantee on qualifying earnings I have confirmed?
Check eligibility, earnings classification, caps and exemptions separately.
Does this calculate tax or take-home pay?
Australian 12% super guarantee arithmetic only. Enter qualifying earnings only after applying the annual maximum contributions base and any exemption certificate.
Which official source and period does this use?
Official source: Federal Register of Legislation, reviewed 27 July 2026. Coverage: from 1 July 2026.
Can I share or save a scenario?
Tool inputs and results stay in this browser. Anonymous categorical usage analytics send only governed page, tool, cluster and action identifiers; tool inputs and results are never sent. Error monitoring is disabled. Optional saved state stays only on this device.
How should I use the calculated result?
Treat the calculated result as one scenario, then verify the input record with the greatest effect on that result.