Employer contributions

Your employer and your super

You would be annoyed if you didn't get paid your salary because it's rightfully yours for the work you've done. Just as important as a regular pay packet are the contributions your employer makes to your super.

How much super should I receive?

By law, your employer must make super contributions into your super account. The contributions are based on 9.5% of your 'ordinary time earnings'.

For example, if your ordinary time earnings are $50,000 then you should be paid an additional $4,750 into super.

Ordinary time earnings are what employees earn for their ordinary hours of work including over-award payments, bonuses, commissions, allowances and certain paid leave. See the Australian Taxation Office's (ATO's) information on using ordinary time earnings to calculate the super guarantee.

You are eligible to receive super from your employer if:

  • You earn $450 or more in a month
  • You are aged 18

If you're under 18, you are eligible to receive super from your employer if:

  • You earn $450 or more in a month
  • AND you work more than 30 hours a week

See the ATO's key superannuation rates and thresholds.

Work out how much your employer should be contributing to your super account.

Employer contributions calculator

Check how much super you're getting

Smart tip

If you don't receive a statement from your super fund once a year, it might mean they don't have your contact details. Call the fund to make sure they have your current address details.

You can see how much super your employer is paying into your super account by checking your payslip.

You can also look at the statement from your super fund to make sure your employer contributions are being paid correctly. Companies that are in financial trouble sometimes break the law by not making super contributions to their staff.

If you're still not sure whether you are being paid enough super, you can:

  • talk to someone in your payroll department
  • call your super fund to check whether you are being paid super
  • sign up for a myGov account and link it to the Australian Taxation Office to see how much has been paid into your super fund, or
  • call the Australian Taxation Office on 13 10 20.

You are entitled to super so make sure you get what you are owed.

Related links

Last updated: 30 Jan 2017