Smiling First Super member working at a timber cutting factory and warehouse
Smiling First Super member working at a timber cutting factory and warehouse
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Superannuation guarantee

Whether you are working full time, part time or casual, your employer is legally required pay superannuation guarantee (SG) contribution of 11% of your ordinary time earnings (OTE).

The only exception is if you’re under 18 years of age. In this case you’re only eligible for SG contributions if you work more than 30 hours in a week.

SG contributions are made from your before-tax income and will generally be disclosed on your payslip along with your income and any tax withheld.

Find out more from the ATO website

Increases to the super guarantee

The SG contributions rate will be increasing gradually in successive years until it reaches 12% on 1 July 2025.

 Financial Year(s)

Guarantee rate

 2022/23  10.5%
 2023/24  11%
 2024/25  11.5%
 2025/26 and beyond  12%

We’re here to help. So let’s talk.

If you have any questions, please call our Members Services Team on 1300 360 988, or email us.