Super guarantee rate 2025-26
The super guarantee (SG) rate for 2025-26 is 12% of your ordinary time earnings (OTE). This rate has been gradually increasing and reached 12% on 1 July 2025.
Your employer must pay SG contributions at least quarterly, within 28 days of the end of each quarter. If they don't, they may face the super guarantee charge (SGC).
Am I entitled to super?
From 1 July 2022, all employees are entitled to super regardless of how much they earn. Previously, there was a $450/month minimum threshold. You're entitled to super if you are:
- An employee (full-time, part-time, or casual)
- Aged 18 or over (or under 18 and working more than 30 hours per week)
- A contractor paid mainly for labour
What to do if your employer isn't paying
- Check your pay slips and super fund account to confirm the gap
- Ask your employer or payroll team about it first
- If unresolved, lodge an enquiry with the ATO using the Report Unpaid Super tool
- The ATO can investigate and recover unpaid super on your behalf
Important information
The information on SuperFind is general in nature and does not take into account your personal financial situation, needs, or objectives. It is not personal financial advice. Before making any financial decisions about your superannuation, consider whether the information is appropriate for your circumstances and consider seeking advice from a licensed financial adviser. Super fund data including fees and performance returns shown on this site were current as of April 2026 — always verify figures on the fund's website. Past performance is not a reliable indicator of future performance. Data sourced from APRA, ATO, and individual fund disclosures. SuperFind is a DecisionLab publication.