From 1 July 2025 the Super Guarantee reached its final legislated rate of 12% of ordinary time earnings. It's the last step in a long phase-up from 9%.
What it means for your balance
On a $95,000 salary, 12% SG is about $11,400 a year before contributions tax — roughly $1,600 more than the old 11% rate. Compounded over a career, that final 1% step can add tens of thousands to a retirement balance.
The quarterly cap to watch
SG is only required up to the maximum contribution base of $62,500 per quarter ($250,000 a year). High or lumpy earners can miss SG on a big quarter, so it's worth checking each quarter, not just the annual total.