The superannuation guarantee has gone up to 12%

1 July 2025

The contributions your employer makes to your superannuation account increased on 1 July 2025. They’re now equal to 12% of your salary, a jump of 0.5% from the past financial year.

That is now the minimum amount your employer must pay into your fund on your behalf. This is called the super guarantee. If your super contributions are listed on your payslip, you should see the increase there from the July 2025 pay period.

The superannuation guarantee is legislated and compulsory. We’ve seen legislated 0.5% rises for five consecutive financial years recently, but 12% is where it’s set to settle.

“The 0.5% increase per year for the past five years is going to add up to a substantial increase in the money you have to fund your life after work,” explains Head of Advice Matt Davey.

“First, because all those 0.5% increases add up to 2.5%. In addition, the increased amount in your super will achieve greater results over time due to compound returns – where the gains of each year are further built on in following years.”

Using the government’s MoneySmart superannuation calculator you can see how much your super is likely to grow with 12% contributions.

What 12% could look like for you

For someone aged 35 with an income of $70,000 and a super balance of $50,000 this is what the extra 0.5% in super guarantee contributions looks like...

That’s a difference in projected super savings of $20,758! It’s amazing how 0.5% adds up over time.

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