{"success":true,"version":"v1","request":{"tool":"get_calculator_schema","calculator_id":"superannuation-guarantee"},"result":{"entity_type":"calculator","id":"superannuation-guarantee","calculator_id":"superannuation-guarantee","canonical_url":"https://tttkmbb.com/finance/superannuation-guarantee","name":"Superannuation Guarantee Calculator","title":"Superannuation Guarantee Calculator – Employer Super on Ordinary Time Earnings (Australia)","category":"finance","category_name":"Finance","tool_name":"calculate_superannuation_guarantee","featured_mcp_tool":false,"description":"Computes the compulsory employer superannuation guarantee (SG) contribution in Australia from ordinary time earnings (OTE), the SG rate (12 % from 1 July 2025) and the maximum contribution base, for a salary either excluding super or quoted as a package including super.","use_when":"You need the employer super an Australian salary attracts per pay period, quarter or year, the base salary inside a package quoted inclusive of super, or whether the quarterly maximum contribution base caps the contribution.","do_not_use_when":"You need salary-sacrifice or personal contribution tax effects, contribution-cap or Division 293 calculations, or super for another country's pension system. Rates are published constants that change each financial year; informational, not financial or tax advice.","inputs":[{"name":"ordinary_time_earnings","label":"Ordinary time earnings","type":"number","required":true,"min":0,"max":1000000000,"description":"OTE for one pay period before tax (salary, commissions, shift loadings, allowances and paid leave for ordinary hours; overtime excluded), or the total package for the period when include_in_package is true.","example":90000},{"name":"pay_period","label":"Pay period","type":"enum","required":false,"default":"annual","values":[{"value":"weekly","label":"Weekly (52 per year)","aliases":["week"]},{"value":"fortnightly","label":"Fortnightly (26 per year)","aliases":["biweekly","fortnight"]},{"value":"monthly","label":"Monthly (12 per year)","aliases":["month"]},{"value":"quarterly","label":"Quarterly (4 per year)","aliases":["quarter"]},{"value":"annual","label":"Annual","aliases":["yearly","year","annually"]}],"description":"Period that ordinary_time_earnings refers to.","example":"annual"},{"name":"sg_rate_percent","label":"SG rate","type":"number","unit":"%","required":false,"default":12,"min":0,"max":100,"description":"Super guarantee rate in percent. 12 % from 1 July 2025 (as_of 2025-26; it was 11.5 % in 2024-25).","example":12},{"name":"maximum_contribution_base_per_quarter","label":"Maximum contribution base (per quarter)","type":"number","required":false,"default":62500,"min":0,"max":10000000,"description":"Quarterly OTE above which the employer need not pay SG: 62,500 for 2025-26 (65,070 in 2024-25). From 2026-27 the base is annual (270,830); enter one quarter of it (67,707.50) for a level salary.","example":62500},{"name":"include_in_package","label":"Salary package includes super","type":"boolean","required":false,"default":false,"description":"If true, ordinary_time_earnings is a total remuneration package including super, and the base salary is package / (1 + rate).","example":false}],"outputs":[{"name":"super_per_period","label":"Super per pay period","type":"number","decimals":2,"description":"Employer SG contribution for one pay period (super_per_year / periods per year)."},{"name":"super_per_quarter","label":"Super per quarter","type":"number","decimals":2,"description":"super_per_year / 4; the amount limited by the quarterly cap."},{"name":"super_per_year","label":"Super per year","type":"number","decimals":2,"description":"Annual employer SG contribution."},{"name":"base_salary","label":"Base salary per pay period (excluding super)","type":"number","decimals":2,"description":"package / (1 + rate) for one pay period; only when include_in_package is true."},{"name":"annual_ote","label":"Annual OTE","type":"number","decimals":2,"description":"Ordinary time earnings per year, excluding super."},{"name":"quarterly_ote","label":"Quarterly OTE","type":"number","decimals":2,"description":"annual_ote / 4, compared with the maximum contribution base."},{"name":"capped","label":"Capped by maximum contribution base","type":"boolean","decimals":4,"description":"True when quarterly_ote exceeds maximum_contribution_base_per_quarter, so SG is paid only on the base."},{"name":"quarterly_cap_amount","label":"Maximum SG per quarter","type":"number","decimals":2,"description":"maximum_contribution_base_per_quarter × sg_rate_percent / 100 (7,500 for 2025-26 at 12 %)."},{"name":"super_as_percent_of_ote","label":"Super as share of OTE","type":"number","unit":"%","decimals":2,"description":"super_per_year / annual_ote × 100; equals the SG rate unless capped."}],"input_schema":{"type":"object","properties":{"ordinary_time_earnings":{"description":"OTE for one pay period before tax (salary, commissions, shift loadings, allowances and paid leave for ordinary hours; overtime excluded), or the total package for the period when include_in_package is true.","type":"number","minimum":0,"maximum":1000000000,"examples":[90000]},"pay_period":{"description":"Period that ordinary_time_earnings refers to.","type":"string","enum":["weekly","fortnightly","monthly","quarterly","annual"],"default":"annual","examples":["annual"]},"sg_rate_percent":{"description":"Super guarantee rate in percent. 12 % from 1 July 2025 (as_of 2025-26; it was 11.5 % in 2024-25). Unit: %.","type":"number","minimum":0,"maximum":100,"default":12,"examples":[12],"x-unit":"%"},"maximum_contribution_base_per_quarter":{"description":"Quarterly OTE above which the employer need not pay SG: 62,500 for 2025-26 (65,070 in 2024-25). From 2026-27 the base is annual (270,830); enter one quarter of it (67,707.50) for a level salary.","type":"number","minimum":0,"maximum":10000000,"default":62500,"examples":[62500]},"include_in_package":{"description":"If true, ordinary_time_earnings is a total remuneration package including super, and the base salary is package / (1 + rate).","type":"boolean","default":false,"examples":[false]}},"additionalProperties":false,"required":["ordinary_time_earnings"]},"output_schema":{"type":"object","properties":{"super_per_period":{"description":"Employer SG contribution for one pay period (super_per_year / periods per year).","type":"number"},"super_per_quarter":{"description":"super_per_year / 4; the amount limited by the quarterly cap.","type":"number"},"super_per_year":{"description":"Annual employer SG contribution.","type":"number"},"base_salary":{"description":"package / (1 + rate) for one pay period; only when include_in_package is true.","type":"number"},"annual_ote":{"description":"Ordinary time earnings per year, excluding super.","type":"number"},"quarterly_ote":{"description":"annual_ote / 4, compared with the maximum contribution base.","type":"number"},"capped":{"description":"True when quarterly_ote exceeds maximum_contribution_base_per_quarter, so SG is paid only on the base.","type":"boolean"},"quarterly_cap_amount":{"description":"maximum_contribution_base_per_quarter × sg_rate_percent / 100 (7,500 for 2025-26 at 12 %).","type":"number"},"super_as_percent_of_ote":{"description":"super_per_year / annual_ote × 100; equals the SG rate unless capped. Unit: %.","type":"number","x-unit":"%"}}},"formula":"r = sg_rate_percent / 100; annual_ote = ordinary_time_earnings × periods_per_year (÷ (1 + r) when the package includes super); quarterly_ote = annual_ote / 4; super_per_quarter = min(quarterly_ote, maximum_contribution_base_per_quarter) × r; super_per_year = 4 × super_per_quarter; super_per_period = super_per_year / periods_per_year; base_salary = package / (1 + r)","method":"SG = OTE × rate, with the employer's minimum obligation limited to rate × the maximum contribution base each quarter (ATO figures as_of 2025-26: rate 12 %, base 62,500, maximum SG 7,500 per quarter). The calculator assumes a level salary across the year; from 1 July 2026 (payday super) contributions are due within 7 business days of each payday and the base is applied annually (270,830 for 2026-27), which for a level salary equals a quarterly base of 67,707.50. Informational; not financial or tax advice.","sources":[{"name":"Australian Taxation Office – Super guarantee (SG rate by financial year and maximum contribution base)","url":"https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee","type":"government","retrieved_at":"2026-09-24"},{"name":"Australian Taxation Office – Maximum contribution base","url":"https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-on-payday/what-payments-are-qualifying-earnings/maximum-contributions-base","type":"government","retrieved_at":"2026-09-24"},{"name":"Australian Taxation Office – Work out how much super to pay (OTE × SG rate)","url":"https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-contributions/how-much-super-to-pay","type":"government","retrieved_at":"2026-09-24"}],"freshness":{"type":"static","max_age_seconds":null,"note":"Deterministic formula with fixed constants; results never go stale. Inputs supplied by the caller determine the output."},"examples":[{"name":"90,000 per year at 12 %","inputs":{"ordinary_time_earnings":90000,"pay_period":"annual","sg_rate_percent":12},"expected":{"super_per_period":10800,"super_per_quarter":2700,"super_per_year":10800,"annual_ote":90000,"quarterly_ote":22500,"capped":false,"quarterly_cap_amount":7500,"super_as_percent_of_ote":12},"url":"https://tttkmbb.com/api/v1/calculate/superannuation-guarantee?ordinary_time_earnings=90000&pay_period=annual&sg_rate_percent=12"},{"name":"300,000 per year at 12 % (above the maximum contribution base)","inputs":{"ordinary_time_earnings":300000,"pay_period":"annual","sg_rate_percent":12,"maximum_contribution_base_per_quarter":62500},"expected":{"super_per_quarter":7500,"super_per_year":30000,"quarterly_ote":75000,"capped":true,"quarterly_cap_amount":7500,"super_as_percent_of_ote":10},"url":"https://tttkmbb.com/api/v1/calculate/superannuation-guarantee?ordinary_time_earnings=300000&pay_period=annual&sg_rate_percent=12&maximum_contribution_base_per_quarter=62500"}],"faq":[{"q":"How is a package \"including super\" split?","a":"Base salary = package / (1 + rate): a 100,000 package at 12 % is 89,285.71 salary plus 10,714.29 super, not 88,000 plus 12,000, because super is calculated on the salary, not on the package."},{"q":"What counts as ordinary time earnings?","a":"Earnings for ordinary hours of work: salary and wages, commissions, shift loadings, most allowances and paid leave. Overtime worked outside ordinary hours is generally excluded, so SG on it is not compulsory."},{"q":"What changes with payday super from 1 July 2026?","a":"Employers must pay SG within 7 business days of each payday instead of quarterly, and the maximum contribution base becomes an annual amount (270,830 for 2026-27). For a level salary, entering 67,707.50 as the quarterly base reproduces the annual cap."}],"tags":["superannuation guarantee","super calculator australia","employer super contribution","sg rate 12%","salary package including super","maximum contribution base"],"related":[{"calculator_id":"salary-converter","reason":"Convert the salary between pay periods before or after adding super."},{"calculator_id":"retirement-savings","reason":"Project the super balance to retirement."},{"calculator_id":"compound-interest","reason":"Growth of the contributions at an assumed return."}],"links":{"html":"https://tttkmbb.com/finance/superannuation-guarantee","markdown":"https://tttkmbb.com/finance/superannuation-guarantee.md","json":"https://tttkmbb.com/finance/superannuation-guarantee.json","api":"https://tttkmbb.com/api/v1/calculate/superannuation-guarantee","schema":"https://tttkmbb.com/api/v1/calculators/superannuation-guarantee","openapi":"https://tttkmbb.com/openapi.json","mcp":"https://tttkmbb.com/mcp"},"version":"v1","updated_at":"2026-09-24"},"timestamp":"2026-09-24T03:45:07Z"}