The superannuation guarantee
Your employer is legally required to make superannuation guarantee (SG) contributions of 10% of your ordinary time earnings (OTE), if you’re:
- 18 years or older and earning at least $450 per month before tax
- under 18 years of age and working over 30 hours per week.
SG contributions are made from your before-tax income and will generally be disclosed on your payslip along with your income and any tax withheld.
Find out more from the ATO website
The SG contributions rate will then increase gradually in successive years until it reaches 12% on 1 July 2025.
Financial Year(s) |
Guarantee rate |
|---|---|
| 2021/22 | 10% |
| 2022/23 | 10.5% |
| 2023/24 | 11% |
| 2024/25 | 11.5% |
| 2025/26 and beyond | 12% |
We’re here to help. So let’s talk.
If you have any questions, please call our Members Services Team on 1300 360 988, or email us.
