What is the Superannuation Guarantee rate for 2024-25?

11.5% from July 1, 2024 (up from 11% in 2023-24). Rising to 12% from July 1, 2025. Applied to ordinary time earnings (OTE) up to the maximum super contribution base of $62,270 per quarter ($249,080 per year).

What is the concessional contributions cap?

$30,000 per year (2024-25). Includes employer SG contributions, salary sacrifice, and personal deductible contributions. Taxed at 15% within super (30% for Division 293 high-income earners).

What is carry-forward concessional contributions?

If your total super balance is below $500,000, you can carry forward unused concessional contribution room from the previous 5 years and make a larger deductible contribution in a single year.

How does salary sacrifice to super work?

Salary sacrifice contributions are before-tax, reducing income tax at your marginal rate. Contributions are taxed at 15% in the super fund (or 30% Division 293). Best for those in the 32.5% bracket or above.

What are non-concessional contributions?

After-tax super contributions. Cap: $120,000 per year, or $360,000 using 3-year bring-forward (if under 75). No tax on entry (already taxed). Cannot be used if total super balance exceeds $1.9 million (2024-25).

Australia Superannuation Guarantee (SG) Calculator 2024-25

Calculate mandatory superannuation guarantee contributions. SG rate: 11.5% from July 2024 (rising to 12% from July 2025). Maximum contribution base: $62,270 per quarter. Includes salary sacrifice and concessional limits.

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Frequently Asked Questions

What is the Superannuation Guarantee rate for 2024-25?

What is the concessional contributions cap?

What is carry-forward concessional contributions?

How does salary sacrifice to super work?

What are non-concessional contributions?