Employer contributions

Your employer and super

Are you getting the super from your employer that's rightfully yours? This webpage explains how much super you should get and what to do if your boss is not paying enough super.

How much super should you get?

If you are eligible to receive super contributions, your employer must put super contributions into your super account. Contributions should be equal to 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 you earn for your 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 or older
  • If you're under 18, you must also 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

Super for contractors

If you're a contractor, you may still be entitled to super from your employer.

If you're paid wholly or mostly for your labour and paid by the hour, you're considered an employee for super purposes and your employer must pay super for you.

Use the ATO's employee/contractor decision tool to work out if you're entitled to super guarantee contributions from your employer.

Check how much super you've received

You can see how much super your employer is calculating by checking your payslip.

Employers calculate super each pay but only have to transfer super to your fund once a quarter. Some employers will choose to pay super more often, ask your employer how often they pay your super. This may be particularly important if you have asked your employer to deduct personal super contributions from your pay.

To make sure your employer is paying your super, look at your most recent super statement or check your transaction details online. If you have a myGov account you can also check by logging into your myGov account.

Update your details with your super fund

If you don't receive a statement from your super fund at least once a year, they may not have your current contact details. Statements can be issued in paper format or electronically. Contact your fund to make sure they have your current contact details.

What to do if your employer is not paying your super

Companies that are in financial trouble sometimes break the law by not making super contributions for their staff. If you're not receiving super contributions from your employer, or are not sure whether you are being paid enough super, you can:

  • Talk to your employer and ask them to explain how your super is being calculated and how often they are paying it
  • Contact your super fund to check whether your super has been paid
  • Sign in to your myGov account and make sure it's linked to the Australian Taxation Office to see how much has been paid into your super fund
  • Call the Australian Taxation Office (ATO) on 13 10 20

If your employer has not paid your super you can report them to the ATO. See the ATO's webpage unpaid super for more details.

If you are working for an employer you are entitled to be paid super on top of your salary or wages, so make sure you get what you are owed.

Related links

Last updated: 09 Aug 2017