The super rate is increasing: What this means for your payslip
The superannuation rate is going up to 12% on 1 July, which will give the average worker an extra $500 towards their balance this financial year.
Good news for Aussie workers: the super guarantee will increase to 12% on 1 July 2025.
The super guarantee rate is the amount that your employer is legally required to pay you towards your superannuation each year.
Currently it's set at 11.5% of your annual earnings, but will jump up to 12% at the start of the new financial year.
This means your employer will be contributing more money into your superannuation.
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What does the super rate increase mean for you?
The super guarantee is paid as a percentage of your annual earnings, so the more money you earn the more super you're paid and the more you'll benefit from this increase.
The average full time, annual earnings for Aussie workers is about $102,000 according to the latest ABS data.
This means the average worker will earn just over $500 more in super from their employer over the year.
Here's how much extra super you can expect in the new financial year, based on what you earn.
| Annual income | Extra super FY25 |
|---|---|
| $30,000 | $150 |
| $50,000 | $250 |
| $70,000 | $350 |
| $90,000 | $450 |
| $110,000 | $550 |
| $130,000 | $650 |
| $150,000 | $750 |
Not only does this mean extra money in your super now, but it'll help your super grow even quicker and benefit more from compounded investment returns over the long-term.
What you need to do
The super guarantee is your employers responsibility to pay, so there's no specific action for you to take.
However, it's important to check your first few payslips in the new financial year to make sure the increase has been applied correctly to your earnings.
Remember - the annual super rate of 12% is for the whole year, so you won't see the extra super all in one lump sum. It'll be divided throughout the year.
Regardless of how much you earn and what super contributions you get from your employer, the best way to ensure your super balance continues to grow if to make sure you're in a low-fee, high-performing super fund.
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