Calculator
Employer Superannuation Calculator
This employer superannuation calculator estimates the compulsory superannuation guarantee contribution owed on an employee's ordinary time earnings, and projects how that employee's super balance might grow over time — useful for budgeting, payroll checks, or explaining super to staff.
Projected balance at retirement
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Years until retirement
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Total contributions
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Investment earnings
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Projected balance over time
Age → BalanceYear-by-year projection
| Age | Salary | Employer | Voluntary | Earnings | Fees | Balance |
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Estimating superannuation guarantee obligations
Enter an employee's annual salary and the applicable superannuation guarantee rate to see the estimated compulsory contribution amount, along with a full year-by-year projection of how their balance might grow if that rate continues. This is a planning estimate only — for actual payroll compliance, contribution timing, and ordinary time earnings rules, refer to the ATO's official guidance, since specific awards, allowances, and overtime treatment can affect the real figure.
Contribution timing matters for compliance
This calculator models contributions as a smooth annual flow for simplicity, but in practice, superannuation guarantee contributions must be paid to an employee's fund by set quarterly due dates, and missing a due date can trigger the superannuation guarantee charge, which includes interest and an administration fee on top of the contribution itself. This tool does not calculate the superannuation guarantee charge — it is for estimating ordinary contribution amounts only.
Want the full picture? Try the main Superannuation Calculator, browse all calculators, or readhow superannuation works.