Super
Superannuation calculator
Estimate the employer super that sits on top of an Australian salary, and the package once that super is included.
Super on top of salary
The Super Guarantee for 2026–27 in this calculator is 12% of ordinary time earnings. Ordinary earnings are the salary and any bonus you add. Overtime is excluded. A further 15% contributions tax inside the fund is shown in the calculator as an estimate of what remains invested. It is not deducted from your take-home pay.
Super on $95,000
12% of $95,000 is $11,400.00. The package, salary plus super, is $106,400.00. Cash take-home pay is still $74,080.00, because the super is paid on top.
| Item | Estimate |
|---|---|
| Gross for the year | $95,000.00 |
| Income tax | $19,020.00 |
| Medicare levy | $1,900.00 |
| HELP / HECS | $0.00 |
| Net for the year | $74,080.00 |
| Net per month | $6,170.67 |
| Net per fortnight | $2,847.85 |
| Net per week | $1,423.92 |
| Ordinary hourly rate | $48.08 |
| Employer super | $11,400.00 |
| Effective tax rate | 22.02% |
| Marginal rate | 30% |
Estimates for an Australian resident who claims the tax-free threshold. Employer super is 12% on top of ordinary earnings unless you mark the salary as including super. Full-time hours are 38 a week across 52 weeks, with no overtime. HELP is included only when that option is on. Weekly, fortnightly and monthly nets follow ATO withholding, so they can differ from the annual net split evenly. This is not personal tax advice.